<SEC-DOCUMENT>0001144204-11-021183.txt : 20110411
<SEC-HEADER>0001144204-11-021183.hdr.sgml : 20110408
<ACCEPTANCE-DATETIME>20110411061624
ACCESSION NUMBER:		0001144204-11-021183
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20110408
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20110411
DATE AS OF CHANGE:		20110411

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UNITED SECURITY BANCSHARES
		CENTRAL INDEX KEY:			0001137547
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				912112732
		STATE OF INCORPORATION:			CA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-32897
		FILM NUMBER:		11751529

	BUSINESS ADDRESS:	
		STREET 1:		1525 E SHAW AVENUE
		CITY:			FRESO
		STATE:			CA
		ZIP:			93710

	MAIL ADDRESS:	
		STREET 1:		1525 E SHAW AVENUE
		CITY:			FRESNO
		STATE:			CA
		ZIP:			93710
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>v218088_8k.htm
<TEXT>
<html>
<head>
    <title>Unassociated Document</title>
    <!--Licensed to: vintage-->
    <!--Document Created using EDGARizerAgent 5.3.1.0-->
    <!--Copyright 1995 - 2009 Thomson Reuters. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SECURITIES AND EXCHANGE COMMISSION</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">WASHINGTON, D.C. 20549</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">FORM 8-K</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">CURRENT REPORT PURSUANT</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">TO SECTION 13 OR 15(d) OF THE</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SECURITIES EXCHANGE ACT OF 1934</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">April 8, 2011</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date of Report (Date of earliest event reported)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">UNITED SECURITY BANCSHARES</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Exact Name of Registrant as Specified in its Charter)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">California</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(State or Other Jurisdiction of Incorporation)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="37%">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">000-32987</font></div>
</td>
<td valign="top" width="37%">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">91-2112732</font></div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Commission</font></div>
</td>
<td valign="top" width="37%">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(IRS Employer</font></div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">File Number)</font></div>
</td>
<td valign="top" width="37%">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Identification No.)</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="37%">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2126 Inyo Street, Fresno, CA</font></div>
</td>
<td valign="top" width="37%">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">93721</font></div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Address of Principal Executive Office)</font></div>
</td>
<td valign="top" width="37%">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Zip Code)</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">559-248-5087</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Registrant's Telephone Number, Including Area Code)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline;" face="Wingdings">o</font>&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline;" face="Wingdings">o</font>&#160;&#160;Soliciting material pursuant to Rule 14a12 under the Exchange Act (17 CFR 240.14a-12)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline;" face="Wingdings">o</font>&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline;" face="Wingdings">o</font>&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">ITEM 2.02&#160;&#160;&#160;RESULTS OF OPERATIONS AND FINANCIAL CONDITION</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On March 3, 2011, United Security Bancshares issued a press release reporting its financial results for the quarter and year-to-date periods ended December 31, 2010. The Company subsequently revised its financial results to reflect additional pre-tax provisions for loan losses of $2.6 million and a net-after-tax increase in net loss from $2.9 million previously reported in it&#8217;s press release on March 3, 2011 to a net loss of $4.4 million reported for the year ended December 31, 2010.&#160;&#160;A copy of the revised press release is attached, and incorporated herein by reference as Exhibit 99.1</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">ITEM 9.01&#160;&#160;&#160;FINANCIAL STATEMENTS AND EXHIBITS.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Exhibits.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">EXHIBIT #</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">99.1&#160;&#160;&#160;Press release of United Security Bancshares dated April 8, 2011</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><a name="id_0_7"><!--EFPlaceholder--></a><a name="id_0_8"><!--EFPlaceholder--></a><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SIGNATURES</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Registrant has duly caused this Report to be signed on its behalf by the undersigned hereunto duly authorized.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div>
<table border="0" cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td colspan="2" valign="top" width="38%">United Security Bancshares</td>
<td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
</tr><tr>
<td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td valign="top" width="35%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
</tr><tr>
<td align="left" valign="top" width="50%" style="BORDER-BOTTOM: #ffffff solid">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date: April 8, 2011<font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;</font></font></div>
</td>
<td valign="top" width="3%" style="BORDER-BOTTOM: #ffffff solid">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">By: </font></div>
</td>
<td align="left" nowrap valign="top" width="35%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">/s/&#160;Richard Shupe</font></td>
<td valign="top" width="12%" style="BORDER-BOTTOM: #ffffff solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
</tr><tr>
<td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td align="left" nowrap valign="bottom" width="35%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Senior Vice President &amp;</font></td>
<td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
</tr><tr>
<td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td valign="top" width="35%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Chief Financial Officer</font></td>
<td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
</tr><tr>
<td valign="top" width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td valign="top" width="35%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
<td valign="top" width="12%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
</tr></table>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">EXHIBIT INDEX</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">EXHIBIT #&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">DESCRIPTION</font></td>
</tr><tr valign="top">
<td align="right" style="WIDTH: 72pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="top">
<td align="right" style="WIDTH: 72pt">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">99.1&#160;</font></div>
</td>
<td align="left">
<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Pres</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">s release of United Security Bancshares dated April 8, 2011</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: left">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>
</div>

<div id="PN">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>
</div>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>v218088_ex99-1.htm
<TEXT>
<html><head><META content="text/html; charset=utf-8"></META></head><body style="font-size:10pt;font-family:Arial;color:black;"><div style="width:100%;margin-left:10pt"><p style="text-align:center"><b>United Security Bancshares - Continued Balance Sheet Deleveraging and Additional Loan Loss Provisions During 2010 - Updated</b></p></div><div style="width:100%;margin-left:10pt;"><div style="margin:0;margin-top:16pt;"><p>FRESNO, Calif., April 8, 2011 /PRNewswire/ -- United Security Bancshares (<u>http://www.unitedsecuritybank.com/)</u> (Nasdaq Global Select: UBFO) reported audited results for the year-to-date and quarterly periods ended December 31, 2010 in its filing of the annual Form 10-K with the Securities and Exchange Commission on April 4, 2011. Consolidated net loss was $4,439,000, or $(0.34) per basic and diluted common share for the year ended December 31, 2010, compared to a
consolidated net loss of $4,537,000, or $(0.35) per basic and diluted common share for the year ended December 31, 2009. Net loss was $5,807,000, or $(0.45) per basic and diluted common share, for the quarter ended December 31, 2010, compared to a loss of $425,000, or $(0.03) per basic and diluted common share for the quarter ended December 31, 2009.</p><p>Annualized return on average equity (ROE) for the year ended December 31, 2010 was -5.67%, compared to -5.77% for the same period in 2009. Annualized return on average assets (ROA) was -0.63% for year ended December 31, 2010 compared to -0.62% for the same period in 2009. Annualized return on average equity (ROE) for the quarter ended December 31, 2010 was -29.01%, compared to -2.18% for the same quarterly period in 2009. Annualized return on average assets (ROA) was -3.28% for quarter ended December 31, 2010 compared to -0.23% for
the same quarterly period in 2009. </p><p>The Board of Directors of United Security Bancshares declared a first quarter 2011 stock dividend of one percent (1%). The stock dividend was payable to shareholders of record on January 7, 2011, and the shares were issued on January 19, 2011.</p><p>Dennis R. Woods, President and Chief Executive Officer of the Company, added, &#34;While we reported a net loss for 2010, operating results were improved over the previous year and we continue to see improvements in levels of allowance for loan losses, liquidity, and capital ratios. At December 31, 2010, the Company had cash and cash equivalents of more than $98,400,000 as compared to $29,200,000 at December 31, 2009. Total risk-based capital was 16.17% at December 31, 2010 and 14.30% at December 31, 2009. Goodwill impairment charges were half of those reported during 2009, although still accounted
for nearly one third of the $4,439,000 net loss reported during the year ended December 31, 2010.  The net loss was also impacted by an additional $2.6 million recorded as a pre-tax provision for loan losses ($1.5 million net of tax) relating to three lending relationships that were revalued based upon current appraisals received after the year end and after our original 2010 earnings release dated March 3, 2011, bringing the allowance for loan losses to $16.5 million or 3.75 % of total loans at December 31, 2010. During 2010, we continued to deleverage the balance sheet, reducing our reliance on wholesale funding while improving liquidity and continuing our efforts to reduce problem assets.</p><p>&#34;Our ongoing efforts to reduce problem assets are not necessarily reflected in the balance sheet at December 31, 2010. During 2010, we sold or wrote-down more than $15,650,000 in OREO
properties, but transferred $14,200,000 in foreclosed properties from loans to OREO during the year. The first quarter of 2011 has been active for OREO sales with one sale already completed and several other sales expected to be completed by the end of the first quarter of 2011. While we have had success in reducing nonaccrual loans through restructuring loans with borrowers or through foreclosure when required, a single large lending relationship that went to nonaccrual status late during the fourth quarter of 2010 increased nonaccrual loans at December 31, 2010 to levels similar to those reported at December 31, 2009.</p><p>&#34;While reporting net losses is not good from a business and shareholder perspective, the net losses reported during 2009 and 2010 will allow us to recapture some of our income taxes paid in previous years. The Worker, Homeownership and Business Assistance Act
of 2009 enacted in November 2009 allows taxpayers to elect up to a five-year carryback  for net operating losses (NOL) generated during 2008 or 2009 to offset taxable income in those preceding taxable years. We have amended our 2009 tax return and anticipate recovering nearly $4,900,000 in past taxes paid under the NOL five-year carryback option. We will utilize the standard two-year NOL carryback option allowed under the current tax provisions for 2010 and future reporting periods as appropriate.&#34;</p><p>Shareholders&#39; equity at December 31, 2010 was $73,270,000 and Shareholders&#39; equity at December 31, 2009 was $75,821,000.  </p><p>Net interest income before provision for credit loss for the year ended December 31, 2010 was $27,901,000, down from $28,349,000 reported during the year ended December 31, 2009 and was $6,538,000 for the quarter ended December 31, 2010, down from
$7,247,000 reported during the quarter ended December 31, 2009. The net interest margin was 4.58% for the year ended December 31, 2010 and 4.49% for the year ended December 31, 2009. The net interest margin was 4.33% for the quarter ended December 31, 2010 compared to 4.65% for the quarter ended December 31, 2009. On a year-over-year basis, the Company has continued to benefit from decreasing costs on interest-bearing liabilities, which has more than outweighed the decline in yield on interest-earning assets.</p><p>Noninterest income for the year ended December 31, 2010 was $5,939,000, down $366,000 from $6,305,000 reported for the year ended December 31, 2009. As with the fourth quarter discussed below, changes in noninterest income on a year-to-year comparative basis are partly the result of decreases of $829,000 in fair value gains recorded on the Company&#39;s junior subordinated
debt, and decreases of $694,000 in other noninterest income between the two year-to-date periods resulting from $863,000 in gains taken during the fourth quarter of 2009 on the sale of loan-related farm equipment that were not again realized in 2010. On a year-to-date basis, the Company benefited from a reduction of $708,000 in net losses on sales of OREO with net losses of $85,000 reported for the year ended December 31, 2010 compared to net losses of $793,000 reported for the year ended December 31, 2009. In addition, the Company realized gains of $509,000 on the sale of a real estate loan portfolio during the year ended December 31, 2010.</p><p>Noninterest income for the quarter ended December 31, 2010 was $481,000, reflecting a decrease of $2,387,000 from $2,868,000 in noninterest income reported during the quarter ended December 31, 2009. During the fourth quarter of 2010, the
Company realized losses related to fair value adjustments on its junior subordinated debt of $529,000, reflecting a decrease of $1,384,000 from the $855,000 gain recorded during the fourth quarter of 2009. Other noninterest income decreased $843,000 between the quarters ended December 31, 2009 and December 31, 2010 as a result of $840,000 in gains taken during the fourth quarter of 2009 on the sale of loan-related farm equipment. Net losses on the sale of other real estate owned (OREO) through foreclosure sales totaled $182,000 during the quarter ended December 31, 2010, representing an increase of $145,000 when compared to net losses totaling $37,000 realized during the quarter ended December 31, 2009.</p><p>For the year ended December 31, 2010, noninterest expense totaled $29,020,000, up $1,054,000 from $27,966,000, reported for the year ended December 31, 2009. Noninterest expense
for the quarter ended December 31, 2010 totaled $8,067,000 compared with $6,353,000 for the quarter ended December 31, 2009, an increase of $1,714,000 or 27.0% between the two quarterly periods. On a year-to-date basis, impairment losses and other expenses related to OREO increased $1,427,000 from $2,936,000 during the year ended December 31, 2009 to $4,363,000 for the year ended December 31, 2010, while regulatory insurance assessments increased $1,343,000 between  2009 and 2010, from $1,203,000 for the year ended December 31, 2009 to $2,546,000 for the year ended December 31, 2010. Impairment losses on goodwill and intangible assets decreased $1,636,000 between the years ended December 31, 2010 and 2009, respectively, with goodwill impairment losses of $1,414,000 reported during 2010 compared to $3,026,000 reported during 2009. The Company does not recognize any tax benefit related to
these goodwill impairment losses, and as a result, the losses impact the Company&#39;s net income dollar-for-dollar. As a result, the goodwill impairment losses represent approximately 49.0% and 67.0% of the net loss reported by the Company for the years ended December 31, 2010 and December 31, 2009, respectively.</p><p>For the year ended December 31, 2010 the provision for loan loss was $12,475,000 compared to $13,375,000 for the year ended December 31, 2009, representing a decrease of $900,000 between the two year-to-date periods. The provision for loan loss was $9,099,000 for the quarter ended December 31, 2010 compared to $4,782,000 for quarter ended December 31, 2009, representing an increase of $4,317,000 between the two quarterly periods.</p><p>While the Company has experienced some improvement on average in 2010 as compared to 2009 in the overall level of problem assets, the
Company may experience additional losses related to problem assets due to a continued weak economy and weak real estate markets in our service area.  There can be no assurance that we will not experience future increases in nonperforming assets or that the disposition of such nonperforming assets will not adversely affect our profitability. As a result of continued weakness in the economy and specifically weak real estate markets in our service area, we continue to build the allowance for loan losses which totaled 3.75% of total loans at December 31, 2010 compared to 2.96% of total loans at December 31, 2009. In determining the adequacy of the allowance for loan losses, Management&#39;s judgment is the primary determining factor for establishing the amount of the provision for loan losses and management considers the allowance for loan and lease losses at December 31, 2010 to be
adequate. </p><p>Non-performing assets decreased approximately $937,000 between December 31, 2009 and December 31, 2010, but increased as a percentage of total assets to 10.40% of total assets at December 31, 2010 up from 10.31% of total assets on December 31, 2009, as a result of declines in total assets between the two periods. OREO, a component of nonperforming assets, decreased $637,000 between December 31, 2009 and December 31, 2010, but increased $1,326,000 between September 30, 2010 and December 31, 2010 as the result of the transfer of approximately $4,420,000 in impaired loans to OREO during the fourth quarter of 2010. Impaired loans totaled $50,881,000 at December 31, 2010, decreasing $2,913,000 from the balance of $53,794,000 at December 31, 2009, but increasing $5,079,000 from the balance of $45,802,000 at September 30, 2010. Similarly, nonaccrual loans of $34,394,000 at
December 31, 2010, decreased $362,000 from the balance of $34,756,000 at December 31, 2009 but increased $3,891,000 from the balance of $30,503,000 at September 30, 2010. The increase in both impaired loans and nonaccrual loans during the fourth quarter of 2010 is largely the result of a single large lending relationship totaling approximately $10,550,000 which went to nonaccrual status during December 2010. Annualized net loan charge-offs totaled 4.81% and 3.19% of average loans during the quarters ended December 31, 2010 and December 31, 2009, respectively, and totaled 2.24% and 1.85% of average loans during the years ended December 31, 2010 and December 31, 2009, respectively.</p><p>United Security Bancshares is a $675+ million bank holding company. United Security Bank, its principal subsidiary is a state chartered bank and member of the Federal Reserve Bank of San Francisco.
</p><p>FORWARD-LOOKING STATEMENTS </p><p>This news release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended and the Company intends such statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based on management&#39;s knowledge and belief as of today and include information concerning the Company&#39;s possible or assumed future financial condition, and its results of operations, business and earnings outlook. These forward-looking statements are subject to risks and uncertainties. A number of factors, some of which are beyond the Company&#39;s ability to control or predict, could cause future results to differ materially from
those contemplated by such forward-looking statements. These factors include (1) changes in interest rates, (2) significant changes in banking laws or regulations, (3) increased competition in the company&#39;s market, (4) other-than-expected credit losses, (5) earthquake or other natural disasters impacting the condition of real estate collateral, (6) the effect of acquisitions and integration of acquired businesses, (7) the impact of proposed and/or recently adopted changes in laws, and regulations on the Company and its business, including California tax legislation and the subsequent Dec. 31, 2003, announcement by the Franchise Tax Board regarding the taxation of REITs and RICs; (8) changing bank regulatory conditions, policies, whether arising as new legislation or regulatory initiatives or changes in our regulatory classifications, that could lead to restrictions on activities of
banks generally or as to the Bank, including specifically the formal order between the Federal Reserve Bank of San Francisco and the Company and the Bank, (9) failure to comply with the regulatory agreement under which the Company is subject and (10) unknown economic impacts caused by the State of California&#39;s budget issues. Management cannot predict at this time the severity or duration of the effects of the recent business slowdown on our specific business activities and profitability. Weaker or a further decline in capital and consumer spending, and related recessionary trends could adversely affect our performance in a number of ways including decreased demand for our products and services and increased credit losses. Likewise, changes in interest rates, among other things, could slow the rate of growth or put pressure on current deposit levels and affect the ability of
borrowers to repay loans. Forward-looking statements speak only as of the date they are made, and the company does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the statements are made, or to update earnings guidance including the factors that influence earnings. For a more complete discussion of these risks and uncertainties, see the Company&#39;s Annual Report on Form 10-K for the year ended December 31, 2010, and particularly the section of Management&#39;s Discussion and Analysis.  Readers should carefully review all disclosures we file from time to time with the Securities and Exchange Commission (&#34;SEC&#34;).</p><div style="margin-bottom:.0001in; margin-top:.0001in"><table cellspacing="0" cellpadding="1" style="border-collapse:collapse;border:none;"><tr><td valign="bottom" colspan="4" style="padding: 0pt 5.4pt
2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" colspan="4" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">United Security Bancshares</font></b></p></td><td style=""></td></tr><tr><td valign="bottom" colspan="4" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">Consolidated Balance Sheets</font></b></p></td><td style=""></td></tr><tr><td valign="bottom" colspan="4" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">(dollars in thousands)</font></b></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font
style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">2010</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font
style="font-family:Arial;font-size:8pt;">2009</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">Assets</font></b></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Cash and noninterest-bearing deposits in other banks</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$13,259</font></p></td><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$15,006</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Cash and due from Federal Reserve Bank</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">85,171</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in;
text-align: right; "><font style="font-family:Arial;font-size:8pt;">2,638</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Federal funds sold</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">0</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">11,585</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt
5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; &#160;Cash and cash equivalents</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-top:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">98,430</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-top:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">29,229</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Interest-bearing deposits in other
banks</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">4,396</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">3,313</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Investment securities (AFS at market value)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">51,503</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">71,411</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Loans and leases, net of unearned fees</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">441,046</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt
5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">507,708</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; Less: Allowance for credit losses</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(16,520)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">(15,016)</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Net loans</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">424,526</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">492,692</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font
style="font-family:Arial;font-size:8pt;"> &#160; Premises and equipment - net</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">12,909</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">13,296</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Bank owned life insurance</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space:
nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">15,493</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">14,972</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Intangible assets </font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">7,186</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom"
style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">9,425</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Other real estate owned</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">35,580</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">36,217</font></p></td><td
style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Other assets</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">28,187</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">22,680</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">Total assets</font></b></p></td><td valign="bottom"
style="padding: 0pt 5.4pt 2pt 5.4pt;border-top:solid black 1pt; border-bottom:double black 2.5pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$678,210</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-top:solid black 1pt; border-bottom:double black 2.5pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$693,235</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Deposits:</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt
5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; Noninterest bearing demand and NOW</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$199,675</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$187,754</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt
5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; Money market and savings</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">158,253</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">144,911</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; Time</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid
black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">199,538</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">228,995</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; &#160;Total deposits</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">557,466</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">561,660</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Borrowed funds</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">32,000</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt;
"><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">40,000</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Other liabilities</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">4,828</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">5,038</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt
2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Junior subordinated debentures (at fair value)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">10,646</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">10,716</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">Total
liabilities</font></b></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">604,940</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">617,414</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">Shareholders&#39; equity:</font></b></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom"
style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Common shares outstanding:</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; &#160;13,003,849 at December 31, 2010</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td
style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; &#160;12,496,499 at December 31, 2009</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">39,869</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">37,575</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Retained
earnings</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">33,807</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">40,499</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Accumulated other comprehensive income</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in;
text-align: right; "><font style="font-family:Arial;font-size:8pt;">(406)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(2,253)</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">Total shareholders&#39; equity</font></b></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">73,270</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">75,821</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">Total liabilities and shareholders&#39; equity</font></b></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-top:solid black 1pt; border-bottom:double black 2.5pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$678,210</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-top:solid black 1pt; border-bottom:double black 2.5pt;
padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$693,235</font></p></td><td style=""></td></tr><tr><td valign="bottom" colspan="4" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td></tr></table><br /><br /></div><div style="margin-bottom:.0001in; margin-top:.0001in"><table cellspacing="0" cellpadding="1" style="border-collapse:collapse;border:none;"><tr><td valign="bottom" colspan="5" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" colspan="5" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font
style="font-family:Arial;font-size:8pt;">United Security Bancshares</font></b></p></td><td style=""></td></tr><tr><td valign="bottom" colspan="5" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">Consolidated Statements of Income (Quarters unaudited)</font></b></p></td><td style=""></td></tr><tr><td valign="bottom" colspan="5" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">Periods Ended December 31, 2010 and 2009</font></b></p></td><td style=""></td></tr><tr><td valign="bottom" colspan="5" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">(dollars in 000s, except per share amounts)</font></b></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">Quarter Ended</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">Quarter Ended</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">Year Ended</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">Year Ended</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center;
"><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font
style="font-family:Arial;font-size:8pt;">2010</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">2009</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">2010</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">2009</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><u><font style="font-family:Arial;font-size:8pt;">Interest
income</font></u><font style="font-family:Arial;font-size:8pt;">:</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Interest and fees on loans</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$6,910</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in;
text-align: right; "><font style="font-family:Arial;font-size:8pt;">$7,857</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$29,502</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$31,197</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Interest on investment securities</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">611</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">972</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">2,852</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">4,356</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Interest on Federal funds sold
and</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; &#160;deposits in other banks</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">59</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;
margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">23</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">136</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">123</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; &#160;Total interest income</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space:
nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">7,580</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">8,852</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">32,490</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">35,676</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><u><font
style="font-family:Arial;font-size:8pt;">Interest expense</font></u><font style="font-family:Arial;font-size:8pt;">:</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Interest on deposits</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">951</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p
style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,447</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">4,217</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">6,192</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Interest on other borrowed funds</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space:
nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">91</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">158</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">372</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,135</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt
5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; &#160;Total interest expense</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,042</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,605</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">4,589</font></p></td><td valign="bottom"
style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">7,327</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Net interest income before provision for credit losses</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">6,538</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">7,247</font></p></td><td valign="bottom"
style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">27,901</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">28,349</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Provision for credit losses</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">9,099</font></p></td><td valign="bottom" style="padding: 0pt
5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">4,782</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">12,475</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">13,375</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Net interest income</font></p></td><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(2,561)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">2,465</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">15,426</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">14,974</font></p></td><td style=""></td></tr><tr><td valign="bottom"
style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><u><font style="font-family:Arial;font-size:8pt;">Noninterest income</font></u><font style="font-family:Arial;font-size:8pt;">:</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Customer service fees</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">908</font></p></td><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">923</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">3,812</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">3,882</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Increase in cash surrender value of</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt
5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; &#160; &#160;bank owned life insurance</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">140</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">140</font></p></td><td valign="bottom" style="padding: 0pt
5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">554</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">544</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Gain on sale of loans</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">0</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">0</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">509</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">0</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Loss on sale of other real estate owned</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(182)</font></p></td><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(37)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(85)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(793)</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;(Loss) gain on Fair Value Option of Financial Assets</font></p></td><td valign="bottom" style="padding: 0pt
5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(529)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">855</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">316</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,145</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="
margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Other noninterest income</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">144</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">987</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">833</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt
5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,527</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Total noninterest income</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">481</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">2,868</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p
style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">5,939</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">6,305</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><u><font style="font-family:Arial;font-size:8pt;">Noninterest expense</font></u><font style="font-family:Arial;font-size:8pt;">:</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Salaries and employee benefits</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">2,320</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">2,149</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">8,949</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p
style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">8,551</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Occupancy expense</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">966</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">877</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">3,789</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">3,692</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Professional fees</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">464</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">702</font></p></td><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">2,081</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">2,201</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Regulatory insurance assessments</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,081</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt
5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">331</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">2,546</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,203</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Impairment losses and other expenses on OREO</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p
style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,690</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">920</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">4,363</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">2,936</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font
style="font-family:Arial;font-size:8pt;"> &#160;Impairment losses on goodwill and intangible assets</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">0</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">24</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,471</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">3,107</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Impairment losses on investment securities</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">165</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">123</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">1,253</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">843</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160;Other noninterest expense</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">1,381</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">1,227</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">4,568</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">5,433</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Total noninterest expense</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in;
text-align: right; "><font style="font-family:Arial;font-size:8pt;">8,067</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">6,353</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">29,020</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 10pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">27,966</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt
5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Income before income tax provision</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(10,147)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(1,020)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(7,655)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in;
text-align: right; "><font style="font-family:Arial;font-size:8pt;">(6,687)</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Provision for income taxes</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(4,340)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(595)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 6pt; "><p
style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(3,216)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">(2,150)</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Net Income</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:double black 2.5pt; padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">($5,807)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:double black 2.5pt;
padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">($425)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:double black 2.5pt; padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">($4,439)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:double black 2.5pt; padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">($4,537)</font></p></td><td style=""></td></tr><tr><td valign="bottom" colspan="5" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding:
0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td></tr></table><br /><br /></div><div style="margin-bottom:.0001in; margin-top:.0001in"><table cellspacing="0" cellpadding="1" style="border-collapse:collapse;border:none;"><tr><td valign="bottom" colspan="5" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" colspan="5" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">United Security Bancshares</font></b></p></td><td style=""></td></tr><tr><td valign="bottom" colspan="5" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">Selected Financial Data (Quarters Unaudited)</font></b></p></td><td style=""></td></tr><tr><td valign="bottom" colspan="5"
style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><b><font style="font-family:Arial;font-size:8pt;">(dollars in 000s, except per share amounts)</font></b></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">Quarter Ended</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">Quarter Ended</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">Year Ended</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align:
center; "><font style="font-family:Arial;font-size:8pt;">Year Ended</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td
style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">2010</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">2009</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">2010</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in;
text-align: center; "><font style="font-family:Arial;font-size:8pt;">2009</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Basic earnings per share</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">($0.45)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">($0.03)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">($0.34)</font></p></td><td valign="bottom"
style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">($0.35)</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Diluted earnings per share</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">($0.45)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">($0.03)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font
style="font-family:Arial;font-size:8pt;">($0.34)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">($0.35)</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Weighted average basic shares for EPS</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">13,003,840 </font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">13,003,840 </font></p></td><td valign="bottom" style="padding:
0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">13,003,840 </font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">13,003,840 </font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Weighted average diluted shares for EPS</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">13,003,840 </font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font
style="font-family:Arial;font-size:8pt;">13,003,840 </font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">13,003,840 </font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">13,003,840 </font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt
5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Annualized return on:</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Average assets</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">-3.28%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align:
center; "><font style="font-family:Arial;font-size:8pt;">-0.23%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">-0.63%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">-0.62%</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;"> &#160; Average equity</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">-29.01%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt
2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">-2.18%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">-5.67%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">-5.77%</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Yield on interest-earning assets</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font
style="font-family:Arial;font-size:8pt;">5.02%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">5.67%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">5.33%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">5.65%</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Cost of interest-bearing liabilities</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt
5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">0.87%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">1.28%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">0.93%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">1.43%</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Net interest
margin</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">4.33%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">4.65%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">4.58%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">4.49%</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="
margin:0in;"><font style="font-family:Arial;font-size:8pt;">Annualized net charge-offs to average loans</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">4.81%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">3.19%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">2.24%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">1.85%</font></p></td><td
style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">December 31,</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom"
style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">2010</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;border-bottom:solid black 1pt; "><p style="white-space: nowrap;  margin:0in; text-align: center; "><font style="font-family:Arial;font-size:8pt;">2009</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Shares outstanding -
period end</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">13,003,840</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">12,496,499</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Book value per share</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;
margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$5.63</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$6.07</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Tangible book value per share</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$5.08</font></p></td><td valign="bottom" style="padding:
0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$5.31</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Efficiency ratio</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">85.76%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">80.70%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Total nonperforming assets (1)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$70,521</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$71,458</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt
5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Nonperforming assets to total assets</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">10.40%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">10.31%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Total Impaired loans (2)</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$50,881</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$53,794</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Total
nonaccrual loans</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$34,394</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 14pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">$34,757</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Allowance for loan losses to total loans</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p
style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">3.75%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">2.96%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Tier 1 leverage - consolidated</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">11.50%</font></p></td><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">11.68%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Tier 1 leverage - Bank</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">11.04%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font
style="font-family:Arial;font-size:8pt;">11.19%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Tier 1 risk-based capital - consolidated</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style="margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">&#160;14..90%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">13.03%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom"
style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Tier 1 risk-based capital - Bank</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">14.35%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">12.47%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p
style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Total risk-based capital - consolidated</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">16.17%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">14.30%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">Total risk-based capital - Bank</font></p></td><td
valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">15.58%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;padding-right: 6pt; "><p style="white-space: nowrap;  margin:0in; text-align: right; "><font style="font-family:Arial;font-size:8pt;">13.70%</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td valign="bottom" style="padding: 0pt
5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td></tr></table><br /><br /></div><div style="margin-bottom:.0001in; margin-top:.0001in"><table cellspacing="0" cellpadding="1" style="border-collapse:collapse;border:none;"><tr><td valign="bottom" colspan="2" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font style="font-family:Arial;font-size:8pt;">(1) Other real estate owned through foreclosure, nonaccrual loans, and loans past due 90 days of more still accruing interest.</font></p></td><td style=""></td></tr><tr><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><p style=" margin:0in;"><font
style="font-family:Arial;font-size:8pt;">(2) Includes troubled debt restructures.</font></p></td><td valign="bottom" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td valign="bottom" colspan="2" style="padding: 0pt 5.4pt 2pt 5.4pt;"><br /></td><td style=""></td></tr><tr><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td><td style="padding: 0pt 5.4pt 2pt 5.4pt;"></td></tr></table><br /><br /></div><br /><br /><p>CONTACT:  Dennis R. Woods, President and Chief Executive Officer of United Security Bank, +1-559-248-4928</p></div></div></body></html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
