<SEC-DOCUMENT>0000894671-21-000032.txt : 20210728
<SEC-HEADER>0000894671-21-000032.hdr.sgml : 20210728
<ACCEPTANCE-DATETIME>20210728160211
ACCESSION NUMBER:		0000894671-21-000032
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		12
CONFORMED PERIOD OF REPORT:	20210728
ITEM INFORMATION:		Results of Operations and Financial Condition
FILED AS OF DATE:		20210728
DATE AS OF CHANGE:		20210728

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:		211122522

	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>sec8kearngsrels063021.htm
<DESCRIPTION>EARNINGS RELEASE 06/30/21
<TEXT>
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          <div style="text-align: center; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

          <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

          <div style="text-align: center; font-size: 12pt;">Washington, D.C. 20549</div>

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            <hr style="height: 2px; width: 15%; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;" /></div>

          <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_6742af7017fe41679f11a697d296cc42" contextRef="c20210728to20210728">8-K</ix:nonNumeric></div>

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          <div style="text-align: center; font-size: 10pt;">Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>

          <div><br />
          </div>

          <div style="text-align: center; font-size: 10pt;">Date of Report (Date of Earliest Event Reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_a7cbbba8e53048f6a4dde3e22bb2a863" contextRef="c20210728to20210728" format="ixt:datemonthdayyearen">July 28, 2021</ix:nonNumeric></div>

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          <div style="text-align: center; font-size: 10pt;">(Exact Name of Registrant as Specified in Its Charter)</div>

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            <hr style="height: 2px; width: 15%; color: #000000; background-color: #000000; text-align: center; border: none; margin-top: 12pt; margin-left: auto; margin-right: auto;" /></div>

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          <div style="text-align: center; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityFileNumber" id="Fact_fb5f44ad83044b33883ff600cb70fa2b" contextRef="c20210728to20210728">000-20914</ix:nonNumeric></div>

          <div style="text-align: center; font-size: 10pt;">(Commission File Number)</div>

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    <td style="width: 50%; vertical-align: top; ">
                  <div style="text-align: center; margin-left: 0.7pt; font-size: 10pt; font-weight: bold; "><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="Fact_70f8e41436474e5a971b0009e1f6f835" contextRef="c20210728to20210728">31-1359191</ix:nonNumeric><br />
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                  <div style="text-align: center; margin-left: 0.7pt; font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</div>
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                  <div style="text-align: center; margin-left: 0.7pt; font-size: 10pt;">(I.R.S. Employer Identification No.)</div>
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          <div style="text-align: center; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressAddressLine1" id="Fact_6b7ba4d7d9294e04b8b0d86cc4d27779" contextRef="c20210728to20210728">420 THIRD AVENUE</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressAddressLine2" id="Fact_a3e1bda8b1334c838a9d996c964bbb74" contextRef="c20210728to20210728">PO BOX 240</ix:nonNumeric></div>

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          <div style="text-align: center; font-size: 10pt; font-weight: bold;">(<ix:nonNumeric name="dei:CityAreaCode" id="Fact_349ccdbed1a647ee93efdc8febd67d2b" contextRef="c20210728to20210728">740</ix:nonNumeric>) <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_d5f9570329cb438cb5db22ea356746a8" contextRef="c20210728to20210728">446-2631</ix:nonNumeric></div>

          <div style="text-align: center; font-size: 10pt;">(Registrant&#8217;s telephone number, including area code)</div>

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          <div style="text-align: center; font-size: 10pt; font-weight: bold;">NOT APPLICABLE</div>

          <div style="text-align: center; font-size: 10pt;">(Former name or former address, if changed since last report)</div>

          <div><br />
          </div>

          <div style="text-align: left; font-size: 10pt;"> Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: </div>

          <div><br />
          </div>

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                      <div style="text-align: left; font-size: 10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
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    <td style="text-align: left; vertical-align: top; width: auto;">
                      <div style="text-align: left; font-size: 10pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
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                      <div style="text-align: left;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_6cc75d919fc5451c913e4155ee4e9ef7" contextRef="c20210728to20210728" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
                      </div>
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    <td style="text-align: left; vertical-align: top; width: auto;">
                      <div style="text-align: left; font-size: 10pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
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                      <div style="text-align: left;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_6f54a57080c74f3390fe0fb47896d452" contextRef="c20210728to20210728" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
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    <td style="text-align: left; vertical-align: top; width: auto;">
                      <div style="text-align: left; font-size: 10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
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          <div><br />
          </div>

          <div>Securities registered pursuant to Section 12(b) of the Act:</div>

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                  <div style="font-weight: bold;">Title of each class</div>
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    <td style="width: 2%; vertical-align: bottom;">&#160;</td>

    <td style="width: 14%; vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid #000000;">
                  <div style="font-weight: bold;">Trading</div>
                  <div style="font-weight: bold;">Symbol(s)</div>
                </td>

    <td style="width: 2%; vertical-align: bottom;">&#160;</td>

    <td style="width: 41%; vertical-align: bottom; border-bottom: 2px solid #000000;">
                  <div style="font-size: 10pt; font-weight: bold;">Name of each exchange on which registered</div>
                </td>

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    <td style="width: 41%; vertical-align: top; font-size: 10pt;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_d926227ff7514fb0ba3ebd4353e27705" contextRef="c20210728to20210728">Common Shares, without par value</ix:nonNumeric><br />
                </td>

    <td style="width: 2%; vertical-align: bottom; font-size: 10pt;"><br />
                </td>

    <td style="width: 14%; vertical-align: bottom; font-size: 10pt;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_08459ac276ee4b96a738814eada12543" contextRef="c20210728to20210728">OVBC</ix:nonNumeric><br />
                </td>

    <td style="width: 2%; vertical-align: bottom; font-size: 10pt;"><br />
                </td>

    <td style="width: 41%; vertical-align: bottom; font-size: 10pt;"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_364f73d9e4b24ff896513ed658f7568b" contextRef="c20210728to20210728" format="ixt-sec:exchnameen">The NASDAQ Stock Market LLC</ix:nonNumeric><br />
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          <div style="text-align: left; font-size: 10pt;"> 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): </div>

          <div><br />
          </div>

          <div style="text-align: left; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_7f318a9d8a19407aaa85aa5ea83d4742" contextRef="c20210728to20210728" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric></div>

          <div><br />
          </div>

          <div style="text-align: left; font-size: 10pt;"> 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. &#9744; </div>

          <div>
            <hr style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;" /> </div>

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    <td style="width: 100%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Section 2 &#8211; Financial Information</div>
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    <td style="width: 100%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Item 2.02.&#160; Results of Operations and Financial Condition</div>
          </td>

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    <div>
      <div style="text-align: justify;">GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the &#8220;Company&#8221;) reported consolidated net income for the quarter ended June 30, 2021, of $2,861,000, an increase of $598,000, or 26.4%, from the same period
        the prior year.&#160; Earnings per share for the second quarter of 2021 were $.60 compared to $.47 for the prior year second quarter.&#160; For the six months ended June 30, 2021, net income totaled $6,392,000, an increase of $3,127,000, or 95.8%, from the
        same period the prior year.&#160; Earnings per share were $1.34 for the first six months of 2021 versus $.68 for the first six months of 2020.&#160; Return on average assets and return on average equity were 1.06% and 9.39%, respectively, for the first half
        of 2021, compared to .62% and 5.07%, respectively, for the same period in the prior year.</div>

      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <span style="font-size: 11pt;"><br />
        </span></div>

      <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Ohio Valley Banc Corp. Chairman and CEO, Tom Wiseman said, &#8220;It is interesting to note the pandemic had such a brief yet
        impactful effect on the banking industry, whether through direct assistance programs like stimulus payments and PPP loans or through changes in habits such as heightened use of debit and credit cards due to contactless shopping and food ordering.&#160;
        As we move forward and things return to normal, managers at Ohio Valley Bank and Loan Central are innovating to reduce expenses and augment product lines.&#160; A great example of that is OVB&#8217;s Capital Express accounts receivable financing, which
        assists local businesses by allowing them to borrow on outstanding invoices and improve their cash flow, all while making invoicing and bookkeeping a snap.&#160; Advancements like this are positively positioning the Company for the days ahead.&#8221;</div>

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <span style="font-size: 11pt;"><br />
        </span></div>

      <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">For the second quarter of 2021, net interest income increased $420,000, and for the six months ended June 30, 2021, net
        interest income increased $464,000 from the same respective periods last year.&#160; Contributing to the increase in net interest income was the growth in average earning assets, which was partially offset by a decrease in the net interest margin.&#160; For
        the six months ended June 30, 2021, average earning assets increased $158 million from the same period the prior year.&#160; The increase was partly due to average loans, which increased $60 million from the first half of last year in relation to higher
        commercial loan balances.&#160; In general, commercial loan demand has been positive in our markets, particularly in the counties of Pike and Athens in Ohio and Cabell County in West Virginia.&#160; Approximately $13 million of the growth in average loans
        was related to the Company&#8217;s participation in the SBA&#8217;s Paycheck Protection Program (PPP) to assist various businesses in our market during the pandemic.&#160; The loan fees earned in association with the PPP loans for the six months ended June 30, 2021
        totaled $593,000, an increase of $522,000 from the same period the prior year.&#160; Also contributing to earning asset growth was the $71 million increase in average balances maintained at the Federal Reserve.&#160; In relation to the various stimulus
        payments received by customers, the Company experienced a significant increase in deposit balances and, to the extent those deposits are not invested in loans or investments, they are invested at the Federal Reserve to be readily available for
        future funding needs.&#160; The earnings contribution from the higher balance of earning assets was mostly offset by a decrease in the net interest margin.&#160; For the six months ended June 30, 2021, the net interest margin was 3.65%, compared to 4.13% for
        the same period the prior year.&#160; The decrease was primarily related to the actions taken by the Federal Reserve to reduce interest rates by 150 basis points in March of 2020.&#160; In relation to the decrease in market rates, the Company experienced a
        greater decrease in yield on earning assets than the average cost on interest-bearing liabilities.&#160; This trend was partly due to certain deposits already being at or near their interest rate floor, which limited the Company&#8217;s ability to reduce
        deposit costs to the same magnitude as experienced on earning assets.&#160; Furthermore, the current rate on balances maintained at the Federal Reserve is .15% and, when combined with the heightened balances, it has a dilutive effect on the net interest
        margin.</div>

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <span style="font-size: 11pt;"><br />
        </span></div>

      <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">For the three months ended June 30, 2021, the provision for loan losses totaled $27,000 an increase of $420,000 from the same
        period last year.&#160; The increase was primarily related to the reduction in specific reserves on collateral-dependent, impaired loans during the second quarter of 2020 that led to negative provision expense for that quarter.&#160; For the six months ended
        June 30, 2021, the provision for loan losses was negative $25,000, a decrease of $3,478,000 from the same period last year.&#160; The decrease in provision for loan loss expense from the first half of 2020 was due to a decrease in net loan charge-offs
        of $1,408,000 and to a decrease in the provision expense associated with the establishment of an economic risk factor for the pandemic during the first quarter of 2020, which resulted in additional provision expense of $1,942,000 in the first
        quarter of 2020.&#160; The allowance for loan losses was .80% of total loans at June 30, 2021, compared to .84% at December 31, 2020 and .96% at June 30, 2020.&#160; The ratio of nonperforming loans to total loans improved to .77% at June 30, 2021, compared
        to .82% at December 31, 2020 and 1.00% at June 30, 2020.</div>

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <span style="font-size: 11pt;"><br />
        </span></div>

      <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">For the three months ended June 30, 2021, noninterest income totaled $2,506,000, an increase of $257,000 from the same period
        last year.&#160; For the six months ended June 30, 2021, noninterest income totaled $5,845,000, a decrease of $846,000 from the same period last year. The primary reason for the decrease in year-to-date noninterest income was due to the receipt of a
        $2,000,000 settlement payment from a third-party tax software product provider for early termination of its contract during the first quarter of 2020.&#160; As part of the settlement agreement, the Bank is processing a certain amount of tax items, which
        started in 2021 and will end in 2025.&#160; For the second quarter of 2021, the Bank recognized $135,000, and for the six months ended June 30, 2021, the Bank recognized $675,000 of additional income under the agreement.&#160; Also improving noninterest
        revenue was interchange income on debit and credit card transactions as customers increased spending.&#160; During the three months ended June 30, 2021, interchange income increased $243,000 and increased $350,000, or 18.7%, during the first half of
        2021, as compared to the same periods in 2020, respectively.&#160; During 2021, the Company has experienced lower mortgage banking income following the heightened refinance boom that occurred during 2020.&#160; As a result, mortgage banking income decreased
        $245,000 and $156,000 during the three and six months ended June 30, 2021, when compared to the same periods in 2020, respectively.</div>

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <span style="font-size: 11pt;"><br />
        </span></div>

      <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">For the three months ended June 30, 2021, noninterest expense totaled $9,297,000, a decrease of $305,000 from the same period
        last year.&#160; For the six months ended June 30, 2021, noninterest expense totaled $18,484,000, a decrease of $637,000, or 3.3%, from the same period last year.&#160; The Company&#8217;s largest noninterest expense, salaries and employee benefits, decreased
        $147,000 as compared to the second quarter of 2020 and decreased $332,000 as compared to the first half of 2020.&#160; The decrease was primarily related to the expense savings associated with a lower number of employees.&#160; Further contributing to lower
        noninterest expense was professional fees.&#160; For the three months and six months ended June 30, 2021, professional fees decreased $46,000 and $214,000, respectively, from the same periods last year.&#160; The decrease was related to lower legal fees
        associated with collecting troubled loans.&#160; Partially offsetting the expense reductions above was an increase in FDIC insurance expense, which increased $55,000 from the prior year second quarter and increased $134,000 from the first half of 2020.&#160;
        The increase was primarily due to assessment credits received from the FDIC in 2020 that were not received in 2021.</div>

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <span style="font-size: 11pt;"><br />
        </span></div>

      <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">The Company&#8217;s total assets at June 30, 2021 were $1.237 billion, an increase of $50 million from December 31, 2020.&#160; The
        increase in assets was related to a $61 million increase in securities, offset by a $13 million decrease in cash and cash equivalents.&#160; The growth in securities was related to investing the heightened deposit balances received during the first half
        of 2021.&#160; At June 30, 2021, total deposits had increased $51 million from year end in relation to customers receiving stimulus payments.</div>

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <span style="font-size: 11pt;"><br />
        </span></div>

      <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Ohio Valley Banc Corp. common stock is traded on the NASDAQ Global Market under the symbol OVBC.&#160; The holding company owns The
        Ohio Valley Bank Company, with 15 offices in Ohio and West Virginia, and Loan Central, Inc. with six consumer finance offices in Ohio.&#160; Learn more about Ohio Valley Banc Corp. at <span style="font-family: 'Times New Roman',Times,serif; color: rgb(0, 0, 255);"><span style="text-decoration: underline;">www.ovbc.com</span></span>.</div>

      <div><br />
      </div>

      <div><br />
      </div>

      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Caution Regarding Forward-Looking Information</div>

      <div><br />
      </div>

      <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">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) impacts from the novel coronavirus (COVID-19) pandemic on our business, operations, customers and capital position; (ii) higher default rates on loans made to our customers related to COVID-19 and its impact on our
          customers&#8217; operations and financial condition; (iii) the impact of COVID-19 on local, national and global economic conditions; unexpected changes in interest rates or disruptions in the mortgage market related to COVID-19 or responses to the
          health crisis;&#160; (iv) the effects of various governmental responses to the COVID-19 pandemic; (v) 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; (vi) competitive pressures;&#160; (vii) fluctuations in interest rates; (viii) the level of defaults and
          prepayment on loans made by the Company; (ix) unanticipated litigation, claims, or assessments; (x) fluctuations in the cost of obtaining funds to make loans; (xi) regulatory changes; (xii) and other factors that may be described in the Company&#8217;s
          Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q as filed with the Securities and Exchange Commission from time to time.&#160; 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.</div>

      <div><br />
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                  <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">OHIO VALLEY BANC CORP - Financial Highlights (Unaudited)</div>
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                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Three months ended</div>
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                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Six months ended</div>
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                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;"> June 30,</div>
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                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;"> 2021</div>
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                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2020</div>
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                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2021</div>
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                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2020</div>
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                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">PER SHARE DATA</div>
                </td>

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                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;Earnings per share</div>
                </td>

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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

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                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0.60</div>
                </td>

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                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

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                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0.47</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

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                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1.34</div>
                </td>

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                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

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                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0.68</div>
                </td>

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                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;Dividends per share</div>
                </td>

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                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0.21</div>
                </td>

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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

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                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0.21</div>
                </td>

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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0.42</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0.42</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

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                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;Book value per share</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">29.12</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">27.53</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
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    <td valign="bottom" style="vertical-align: top; width: 52%;">
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
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  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; 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: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">4,787,446</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">4,787,446</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">4,787,446</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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    <td valign="bottom" style="vertical-align: top; width: 52%; font-size: 11pt;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">DIVIDEND REINVESTMENT (in 000's)</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;Dividends reinvested under</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;employee stock ownership plan (b)</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">-</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">-</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">188</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">154</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;Dividends reinvested under</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;dividend reinvestment plan (c)</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">437</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">372</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">PERFORMANCE RATIOS</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;Return on average equity</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
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                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">6.97</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
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                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">9.39</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">5.07</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
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  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;Return on average assets</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0.92</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0.83</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1.06</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0.62</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
                </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;Net interest margin (d)</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">3.58</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
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                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">3.94</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
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                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">3.65</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">4.13</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
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  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;Efficiency ratio (e)</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">72.41</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">79.01</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">70.16</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">71.60</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">%</div>
                </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;Average earning assets (in 000's)</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
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    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,157,040</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,011,694</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,131,654</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">973,851</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 11pt;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

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    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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: 11pt; white-space: nowrap;" 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: 11pt;" 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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

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    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(c) Shares may be purchased from OVBC and on secondary market.</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="8">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(d) Fully tax-equivalent net interest income as a percentage of average earning assets.</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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    <td valign="bottom" style="vertical-align: top;" colspan="12">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(e) Noninterest expense as a percentage of fully tax-equivalent net interest income plus noninterest income.</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 11pt;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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    <td valign="bottom" style="vertical-align: top;" colspan="16">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">OHIO VALLEY BANC CORP - Consolidated Statements of Income (Unaudited)</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); font-size: 11pt;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="6">
                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Three months ended</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="6">
                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Six months ended</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(in $000's)</div>
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    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="6">
                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">June 30,</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="6">
                  <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">June 30,</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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);" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; text-align: center;">2021</div>
                </td>

    <td valign="bottom" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 11pt;" 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);" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; text-align: center;">2020</div>
                </td>

    <td valign="bottom" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; text-align: center;">2021</div>
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    <td valign="bottom" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; text-align: center;">2020</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">Interest income:</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Interest and fees on loans</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">10,562</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">10,639</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">21,127</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">21,512</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Interest and dividends on securities</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">604</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">742</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,137</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,492</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Interest on interest-bearing deposits with banks</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">33</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">18</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">61</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">180</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total interest income</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">11,199</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">11,399</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">22,325</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">23,184</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">Interest expense:</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Deposits</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">799</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,367</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,682</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,876</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Borrowings</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">185</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">237</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">380</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">509</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total interest expense</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">984</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,604</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,062</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">3,385</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">Net interest income</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">10,215</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">9,795</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">19,799</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">Provision for loan losses </div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">27</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(393</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">)</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(25</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">)</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">3,453</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">Noninterest income:</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Service charges on deposit accounts</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">390</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">333</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">795</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">826</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Trust fees</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">70</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">61</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">142</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">129</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="8">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;"> Income from bank owned life insurance and</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;annuity assets</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">200</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">192</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">448</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">409</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Mortgage banking income</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">186</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">431</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">365</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">521</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Electronic refund check/deposit fees</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
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                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Gain (loss) on other real estate owned</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">----</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">18</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(83</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">)</div>
                </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Tax preparation fees</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">55</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">19</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">749</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">634</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Litigation settlement</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">----</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">----</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">----</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,000</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Other</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">297</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">265</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">447</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">382</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total noninterest income</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,506</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,249</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">5,845</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">6,691</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">Noninterest expense:</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; 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: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">5,426</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">10,549</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">10,881</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Occupancy </div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">465</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">449</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">932</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">881</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Furniture and equipment </div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">269</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">278</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">565</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">540</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Professional fees</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">427</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">473</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">857</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,071</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Marketing expense</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">268</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">293</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">536</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">561</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;FDIC insurance </div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">79</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">24</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">158</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">24</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Data processing </div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">660</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">704</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,235</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,303</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Software</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">434</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">412</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Amortization of intangibles</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">27</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">34</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: #CCEEFF;">
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,394</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,490</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,720</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,954</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total noninterest expense</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">9,297</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">9,602</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">18,484</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">19,121</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Income before income taxes</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">3,397</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,835</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">7,649</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">3,916</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Income taxes</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">536</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">572</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,257</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">651</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 4px; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">NET INCOME</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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,861</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,263</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">6,392</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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                  <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">OHIO VALLEY BANC CORP - Consolidated Balance Sheets (Unaudited)</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

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  <tr>

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                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(in $000's, except share data)</div>
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    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

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    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" 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); padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 11pt;" 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: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; text-indent: -9pt; margin-left: 9pt; text-align: center;">2021</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt; text-align: center; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); text-indent: -9pt; margin-left: 9pt; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; text-indent: -9pt; margin-left: 9pt; text-align: center;">2020</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">ASSETS</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="8">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Cash and noninterest-bearing deposits with banks</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
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    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">14,291</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
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    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">14,989</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="4">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Interest-bearing deposits with banks</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">110,949</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">123,314</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="4">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;"> Total cash and cash equivalents</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">125,240</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">138,303</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="4">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Certificates of deposit in financial institutions</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,255</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,500</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Securities available for sale </div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">172,555</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="8">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Securities held to maturity (estimated fair value: 2021 - $11,069; 2020 - $10,344)</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">10,845</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">10,020</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="4">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Restricted investments in bank stocks</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">7,385</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">7,506</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Total loans </div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">847,916</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">848,664</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="4">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;"> Less: Allowance for loan losses </div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(6,799</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">)</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(7,160</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">)</div>
                </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Net loans</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">841,117</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">841,504</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Premises and equipment, net</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">20,972</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">21,312</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="4">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Premises and equipment held for sale, net</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">443</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">637</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Other real estate owned, net</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">0</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">49</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Accrued interest receivable</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,987</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">3,319</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Goodwill</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" 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(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">7,319</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="4">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="4">
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                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="1">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Other assets</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">7,692</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">5,150</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 4px;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total assets</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
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    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,236,988</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,186,932</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 11pt;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">LIABILITIES</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Noninterest-bearing deposits</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">324,576</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
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    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">314,777</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: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Interest-bearing deposits</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">720,514</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">678,962</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;Total deposits</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,045,090</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">993,739</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Other borrowed funds </div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">24,304</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">27,863</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Subordinated debentures</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">8,500</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">8,500</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Operating lease liability</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,095</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">880</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: #CCEEFF;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Accrued liabilities</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">18,575</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">19,626</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total liabilities</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,097,564</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,050,608</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 11pt;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;">SHAREHOLDERS' EQUITY</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="16">
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

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  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;5,447,185 shares issued)</div>
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    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
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                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">5,447</div>
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    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;" colspan="1">
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                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">51,165</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">51,165</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Retained earnings</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">97,369</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">92,988</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="4">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Accumulated other comprehensive income</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,155</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">2,436</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="4">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Treasury stock, at cost (659,739 shares)</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(15,712</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">)</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 solid 2px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">(15,712</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">)</div>
                </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total shareholders' equity</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">139,424</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt;" 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: 11pt;" 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="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">136,324</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="8">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;"> Total liabilities and shareholders' equity</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: #000000 double 4px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 double 4px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,236,988</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; border-bottom: #000000 double 4px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">$</div>
                </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; border-bottom: #000000 double 4px;" colspan="1">
                  <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 11pt;">1,186,932</div>
                </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 4px; font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 11pt;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 11pt;" colspan="1">&#160;</td>

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    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 11pt; font-weight: bold;"><span style="text-decoration: underline;">SIGNATURES</span></div>

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    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">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.</div>

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    <td style="width: 7.34%; vertical-align: top; font-size: 11pt;">&#160;</td>

    <td style="width: 42.72%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: left; font-family: 'Times New Roman',Times,serif;">OHIO VALLEY BANC CORP.</div>
            <div>&#160;</div>
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            <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">Date:</div>
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            <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">July 28, 2021</div>
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            <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-size: 11pt;">By:</div>
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    <td style="width: 42.72%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;">/s/Thomas E. Wiseman <br />
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    <td style="width: 42.4%; vertical-align: top; font-size: 11pt;">&#160;</td>

    <td style="width: 7.34%; vertical-align: top; font-size: 11pt;">&#160;</td>

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            <div style="text-align: left; font-family: 'Times New Roman',Times,serif;">Thomas E. Wiseman</div>
            <div style="text-align: left; font-family: 'Times New Roman',Times,serif;">Chief Executive Officer</div>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode_lbl">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany_lbl">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine1_lbl">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine2_lbl">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine3_lbl">Entity Address, Address Line Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:title="label: EntityAddressAddressLine3 to dei_EntityAddressAddressLine3_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US" id="dei_EntityAddressCityOrTown_lbl">Entity Address, City or Town</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US" id="dei_EntityAddressPostalZipCode_lbl">Entity Address, Postal Zip Code</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber_lbl" xml:lang="en-US" id="dei_LocalPhoneNumber_lbl">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:label xlink:type="resource" xlink:label="dei_NoTradingSymbolFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US" id="dei_NoTradingSymbolFlag_lbl">No Trading Symbol Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:title="label: NoTradingSymbolFlag to dei_NoTradingSymbolFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol_lbl" xml:lang="en-US" id="dei_TradingSymbol_lbl">Trading Symbol</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:title="label: TradingSymbol to dei_TradingSymbol_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:title="label: SecurityExchangeName to dei_SecurityExchangeName_lbl" />
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>4
<FILENAME>ovbc-20210728_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by EDGARfilings PROfile 7.0.0.0 Broadridge-->
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    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityRegistrantName" xlink:title="presentation: CoverAbstract to EntityRegistrantName" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityFileNumber" xlink:title="presentation: CoverAbstract to EntityFileNumber" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityTaxIdentificationNumber" xlink:title="presentation: CoverAbstract to EntityTaxIdentificationNumber" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="LocalPhoneNumber" xlink:title="presentation: CoverAbstract to LocalPhoneNumber" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SolicitingMaterial" xlink:title="presentation: CoverAbstract to SolicitingMaterial" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementTenderOffer" order="18.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementIssuerTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementIssuerTenderOffer" order="19.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="NoTradingSymbolFlag" xlink:title="presentation: CoverAbstract to NoTradingSymbolFlag" order="20.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityEmergingGrowthCompany" xlink:title="presentation: CoverAbstract to EntityEmergingGrowthCompany" order="21.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
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    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityCentralIndexKey" xlink:title="presentation: CoverAbstract to EntityCentralIndexKey" order="24.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="Security12bTitle" xlink:title="presentation: CoverAbstract to Security12bTitle" order="25.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="TradingSymbol" xlink:title="presentation: CoverAbstract to TradingSymbol" order="26.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SecurityExchangeName" xlink:title="presentation: CoverAbstract to SecurityExchangeName" order="27.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>5
<FILENAME>sec8kearngsrels063021_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2021"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="ovbc-20210728.xsd" xlink:type="simple"/>
    <context id="c20210728to20210728">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000894671</identifier>
        </entity>
        <period>
            <startDate>2021-07-28</startDate>
            <endDate>2021-07-28</endDate>
        </period>
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    <dei:AmendmentFlag
      contextRef="c20210728to20210728"
      id="Fact_b6b76cea52674caa9803f33eac1d5e8a">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="c20210728to20210728"
      id="Fact_ccfad3fe9bcc433c88dab80bbe594589">0000894671</dei:EntityCentralIndexKey>
    <dei:DocumentType
      contextRef="c20210728to20210728"
      id="Fact_6742af7017fe41679f11a697d296cc42">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="c20210728to20210728"
      id="Fact_a7cbbba8e53048f6a4dde3e22bb2a863">2021-07-28</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="c20210728to20210728"
      id="Fact_50765e63ce28421ea4fdab4614197eae">OHIO VALLEY BANC CORP</dei:EntityRegistrantName>
    <dei:EntityFileNumber
      contextRef="c20210728to20210728"
      id="Fact_fb5f44ad83044b33883ff600cb70fa2b">000-20914</dei:EntityFileNumber>
    <dei:EntityIncorporationStateCountryCode
      contextRef="c20210728to20210728"
      id="Fact_7cc82e84ab00446194900d120e401b80">OH</dei:EntityIncorporationStateCountryCode>
    <dei:EntityTaxIdentificationNumber
      contextRef="c20210728to20210728"
      id="Fact_70f8e41436474e5a971b0009e1f6f835">31-1359191</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="c20210728to20210728"
      id="Fact_6b7ba4d7d9294e04b8b0d86cc4d27779">420 THIRD AVENUE</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2
      contextRef="c20210728to20210728"
      id="Fact_a3e1bda8b1334c838a9d996c964bbb74">PO BOX 240</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown
      contextRef="c20210728to20210728"
      id="Fact_9e83f1b6e8834bd6a1dd0f811d44531d">GALLIPOLIS</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="c20210728to20210728"
      id="Fact_17277e6fedd24ebd92694c4cf57c674b">OH</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode
      contextRef="c20210728to20210728"
      id="Fact_95faed1adc644544b16c22594ca97e30">45631</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="c20210728to20210728"
      id="Fact_349ccdbed1a647ee93efdc8febd67d2b">740</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="c20210728to20210728"
      id="Fact_d5f9570329cb438cb5db22ea356746a8">446-2631</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="c20210728to20210728"
      id="Fact_f5ac38a784b3442f9d9e2b8ffac580b2">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="c20210728to20210728"
      id="Fact_01e9f248cc7547e4bddb425d29b368b8">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="c20210728to20210728"
      id="Fact_6cc75d919fc5451c913e4155ee4e9ef7">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="c20210728to20210728"
      id="Fact_6f54a57080c74f3390fe0fb47896d452">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="c20210728to20210728"
      id="Fact_d926227ff7514fb0ba3ebd4353e27705">Common Shares, without par value</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="c20210728to20210728"
      id="Fact_08459ac276ee4b96a738814eada12543">OVBC</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="c20210728to20210728"
      id="Fact_364f73d9e4b24ff896513ed658f7568b">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany
      contextRef="c20210728to20210728"
      id="Fact_7f318a9d8a19407aaa85aa5ea83d4742">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>6
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
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</head>
<body>
<span style="display: none;">v3.21.2</span><table class="report" border="0" cellspacing="2" id="idm140501615622488">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Jul. 28, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jul. 28,  2021<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">OHIO VALLEY BANC CORP<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">OH<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-20914<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">31-1359191<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">420 THIRD AVENUE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">PO BOX 240<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">GALLIPOLIS<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">OH<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">45631<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">740<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">446-2631<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000894671<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Shares, without par value<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">OVBC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
