<SEC-DOCUMENT>0001193125-14-278078.txt : 20140724
<SEC-HEADER>0001193125-14-278078.hdr.sgml : 20140724
<ACCEPTANCE-DATETIME>20140724094034
ACCESSION NUMBER:		0001193125-14-278078
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20140723
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20140724
DATE AS OF CHANGE:		20140724

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANK OF THE JAMES FINANCIAL GROUP INC
		CENTRAL INDEX KEY:			0001275101
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				200500300
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-35402
		FILM NUMBER:		14990270

	BUSINESS ADDRESS:	
		STREET 1:		P O BOX 1200
		CITY:			LYNCHBURG
		STATE:			VA
		ZIP:			24505
		BUSINESS PHONE:		4348462000
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d763155d8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML><HEAD>
<TITLE>Form 8-K</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM 8-K
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Current Report </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Pursuant
to Section&nbsp;13 or 15(d) </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>of The Securities Exchange Act of 1934 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Date of Report (Date of Earliest Event Reported): July&nbsp;23, 2014 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>BANK OF THE JAMES FINANCIAL GROUP,&nbsp;INC. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact Name of Registrant as Specified in Its Charter) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="34%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>Virginia</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>001-35402</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>20-0500300</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(State or other jurisdiction of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>incorporation or organization)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Commission</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>File Number)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. Employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Identification No.)</B></P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>828 Main Street, Lynchburg, VA</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>24504</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(Address of principal executive offices)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Zip Code)</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(434) 846-2000 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Registrant&#146;s telephone number, including area code) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; 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: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </TD></TR></TABLE> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;2.02 - Results of Operations and Financial Condition </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On Tuesday, July&nbsp;23, 2014, Bank of the James Financial Group, Inc. (the &#147;Company&#148;) issued a press release announcing financial
results for the quarter ended June&nbsp;30, 2014 (the &#147;Press Release&#148;). A copy of the Press Release is attached hereto as <U>Exhibit&nbsp;99.1</U>. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;9.01 - Financial Statements and Exhibits </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top">Financial statements of businesses acquired &#150; not applicable </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top">Pro forma financial information &#150; not applicable </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top">Shell company transactions &#150; not applicable </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top">Exhibits </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:23.50pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Exhibit<BR>No.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:62.75pt; font-size:8pt; font-family:Times New Roman">Exhibit Description</P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Bank of the James Financial Group, Inc. Press Release dated July 23, 2014</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In accordance with the requirements of the Exchange Act, the registrant caused this report to be signed on its behalf by the undersigned,
thereunto duly authorized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top">Date: July&nbsp;24, 2014</TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3">BANK OF THE JAMES FINANCIAL GROUP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top">By</TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ J. Todd Scruggs</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top">J. Todd Scruggs</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top">Secretary-Treasurer</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT INDEX </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:23.50pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Exhibit<BR>No.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:62.75pt; font-size:8pt; font-family:Times New Roman">Exhibit Description</P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Bank of the James Financial Group, Inc. Press Release dated July&nbsp;23, 2014</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d763155dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:1pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center"><U>


<IMG SRC="g763155ex99_1pg001.jpg" ALT="LOGO">
 </U></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Bank of the James Reports Second Quarter, First Half 2014 Financial Results </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I><U>Continuing Growth Contributes to Record Asset, Loan, Deposit Levels </U></I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Lynchburg, VA., July&nbsp;23, 2014</B> - Bank of the James Financial Group, Inc. (NASDAQ: BOTJ), the parent company of Bank of the James, a full-service
commercial and retail bank serving the Greater Lynchburg MSA, commonly known as &#147;Region 2000&#148; and other markets in Central Virginia, today announced unaudited results for the three months and six months ended June&nbsp;30, 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Net income for the three months ended June&nbsp;30, 2014 was $843,000 or $0.25 per diluted share, up 5.8% from $797,000 or $0.24 per diluted share for the
three months ended June&nbsp;30, 2013. Net income for the six months ended June&nbsp;30, 2014 was $1.55 million or $0.46 per diluted share, compared with $1.59 million or $0.47 per diluted share for the six months ended June&nbsp;30, 2013. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Performance Highlights </U></B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Net income in second quarter 2014 was the highest quarterly net income in the company&#146;s history. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Net interest income after provision for loan losses increased to $4.02 million in second quarter 2014 compared with $3.90 million in second quarter 2013, reflecting slight growth in total interest income, lower interest
expense, and no loan loss provision compared with a $55,000 loan loss provision in second quarter 2013. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Total loans (including loans held for sale), net of allowance for loan losses, rose to $361.63 million at June&nbsp;30, 2014 &#150; highest in the company&#146;s history &#150; compared with $332.56 million at
June&nbsp;30, 2013, reflecting growth in commercial lending and residential mortgage lending. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The bank added 11 new $200,000-plus commercial loan/deposit relationships during second quarter 2014, reflecting the growth of the bank&#146;s commercial banking business in Region 2000 and new business generated by its
Charlottesville, Virginia loan production office (LPO), opened in late 2013. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Total deposits rose to a record $400.26 million at June&nbsp;30, 2014, compared with $388.79 million at June&nbsp;30, 2013 and $387.40 million at December&nbsp;31, 2013. The year-over-year increase included growth in
lower-cost deposits, including noninterest bearing commercial demand deposit accounts (DDAs) linked to expanded relationships with business customers. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Total assets grew to a company-record $447.36 million at June&nbsp;30, 2014 compared with $430.87 million at June&nbsp;30, 2013, and up from $434.51 million at December&nbsp;31, 2013. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The company continued to demonstrate strong asset quality, including a ratio of nonperforming assets to total assets of 1.00% in the second quarter 2014 compared with 1.59% in the second quarter 2013. The ratio of
nonaccruing loans to total loans declined to 0.87% in second quarter 2014 compared with 1.49% in the prior year&#146;s second quarter. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Reflecting continuing positive shareholder value trends, total stockholders&#146; equity increased to $32.63 million at June&nbsp;30, 2014 compared with $29.77 million at December&nbsp;31, 2013. Book value per share
rose to $9.70 per share at June&nbsp;30, 2014 compared with $8.67 at June&nbsp;30, 2013 and $8.85 at December&nbsp;31, 2013. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">In May 2014, the company declared its first quarterly cash dividend to shareholders. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Robert R. Chapman III,
President and CEO, commented: &#147;Our quarterly results reflect steady loan growth, increased year-over-year levels of earning assets, and a stable net interest margin in the face of low interest rates. Winning new loans supported interest income
growth despite continuing pressure on rates. We continue to carefully manage interest expense, including growing lower-cost core deposits, particularly noninterest-bearing deposits as part of broader banking relationships with commercial clients.
</P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;We have added loan and deposit relationships throughout our franchise, and were particularly pleased with
brisk mortgage lending business in our new Roanoke, Virginia office and continued lending traction demonstrated by our commercial loan production office in Charlottesville, Virginia. The bank received regulatory approval in the second quarter 2014
to expand services offered in the Charlottesville office, which is now able to open deposit accounts as part of a relationship approach to banking. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;As we have grown, we continue to improve what we feel was already strong asset quality and have maintained a strong balance sheet. Our results reflected
the positive impact of lower expenses related to owned, foreclosed properties. Our balance of other real estate owned (OREO) declined to $1.33 million at June&nbsp;30, 2014 from $1.82 million at June&nbsp;30, 2013. We have been able to steadily sell
owned assets while adding very few during this period as we have maintained strong asset quality in our loan portfolio. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Our financial performance
continues to reflect increased scale and meaningful gains in building the Bank of the James franchise.&#148; </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Second Quarter 2014 Income Statement
Highlights </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Net income for the three months ended June&nbsp;30, 2014 was $843,000 or $0.25 per diluted share, compared with $797,000 or $0.24 per
diluted share for the three months ended June&nbsp;30, 2013. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The company&#146;s total interest income was $4.61 million in second quarter 2014 compared
with $4.57 million in second quarter 2013. Total interest expense declined to $587,000 at June&nbsp;30, 2014 compared with $610,000 at June&nbsp;30, 2013, reflecting interest expense management, including selective re-pricing of higher cost time
deposits. This contributed to a decline in expense related to time deposits compared with second quarter 2013. Net interest income increased to $4.02 million for the three months ended June&nbsp;30, 2014 compared with $3.96 million at June&nbsp;30,
2013. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J. Todd Scruggs, CFO, commented: &#147;We continue to address the low interest environment, working to re-balance portfolios to reflect competitive
pricing on the deposit side, and by offering fair rates and loan structures on the lending side. The addition of noninterest-bearing business checking accounts linked to commercial banking relationships contributed to our ability to maintain a 3.96%
net interest margin in second quarter 2014, while experiencing only a slight year-over-year decline in our interest spread.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Noninterest income from
mortgage origination fees, service charges and commissions, including fees from the bank&#146;s expanded line of treasury management services for commercial customers and gains on sales of securities from the bank&#146;s investment portfolio, was
$957,000 in second quarter 2014 compared with $905,000 in second quarter 2013. Mortgage fee income which is included in the numbers above was $407,000 in the second quarter 2014 as compared to $340,000 in the second quarter of 2013. The increase was
directly attributed to an increase in purchase mortgage activity in our market. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Noninterest expense increased 2.34% to $3.76 million at June&nbsp;30,
2014 compared with $3.67 million at June&nbsp;30, 2013, primarily reflecting increases in compensation, equipment, and marketing expenses related to our expansion efforts. The company&#146;s efficiency ratio was 75.44% in second quarter 2014
compared with 75.50% in second quarter 2013. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Chapman noted: &#147;We believe the company can make progress to improve the efficiency ratio, however, it
does reflect the investments we have made during the past year in people, operational technology, and expanding our presence in new markets. Our Charlottesville and Roanoke, Virginia offices have demonstrated accelerating productivity since they
opened at the beginning of 2014, which has been very encouraging.&#148; </P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>First Half 2014 Income Statement Highlights </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Net income for the six months ended June&nbsp;30, 2014 was $1.55 million or $0.46 per diluted share, compared with $1.59 million or $0.47 per diluted share for
the six months ended June&nbsp;30, 2013. First half 2014 net income partially reflected the impact of harsh weather in first quarter 2014, which caused a slowdown in lending activity, particularly residential mortgages. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Net interest income rose to $7.98 million in first half 2014 compared with $7.88 million in first half 2013, as interest income increased slightly
year-over-year while the company reduced interest expense by approximately 4% in first half 2014 compared with first half 2013. The company&#146;s provision for loan losses declined to $55,000 in first half 2014 compared with $290,000 in first half
2013, reflecting continuing asset quality improvement year-over-year. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Noninterest income for the six months ended June&nbsp;30, 2014 was $1.67 million
compared with $1.87 million at June&nbsp;30, 2013, with the decline primarily reflecting a decrease in gain on sale of securities, which was offset by a slight increase in fee income from residential mortgage originations and increased fee income
from commercial treasury management services. Noninterest expense was $7.37 million in first half 2014 compared with $7.20 million in first half 2013, primarily reflecting an increase in compensation expenses, which included the addition of
personnel in the company&#146;s Roanoke and Charlottesville offices and equipment and marketing costs related to the new offices. Expenses related to OREO declined as the company continued to reduce its portfolio of foreclosed and OREO properties.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Balance Sheet Highlights and Outlook </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Loans
(including loans held for sale), net of allowance for loan losses, rose to $361.63 million for the three months ended June&nbsp;30, 2014 compared with loans (including loans held for sale), net of allowance for loan losses, of $332.56 million for
the three months ended June&nbsp;30, 2013. The company&#146;s allowance for loan losses declined 5.48% to $5.18 million in at the end of the second quarter 2014 compared with $5.48 million at June&nbsp;30, 2013, reflecting ongoing improvements in
asset quality. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Owner-occupied real estate loan totals increased 9% at June&nbsp;30, 2014 compared with totals in second quarter 2013, while
investor-owned non-owner occupied and commercial real estate totals grew 12% in second quarter year-over-year comparisons. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;During the past year, we
have made ongoing progress to diversify the bank&#146;s loan portfolio,&#148; Chapman explained. &#147;We have in the past several years added diversification to our loan portfolio through increased commercial lending, while we have grown
residential mortgage lending and lines of credit.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Commercial loans increased to $61.09 million in at June&nbsp;30, 2014 compared with $59.62
million at June&nbsp;30, 2013. Owner-occupied real estate totals rose 8.7% to $109.96 million compared with $101.14 million in the prior year&#146;s second quarter, and the company&#146;s portfolio of investor-owned real estate grew 12.3% to $108.27
million in second quarter 2014 compared with $96.40 million in second quarter 2013. Consumer lines of credit increased year-over-year, while consumer and construction loan totals increased 3% year-over-year. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Total deposits at June&nbsp;30, 2014 increased to a record $400.26 million compared with $388.79 million at June&nbsp;30, 2013 and $387.40 million at
December&nbsp;31, 2013. Total assets grew to $447.36 million at June&nbsp;30, 2014, up from $430.87 million at June&nbsp;30, 2013 and $434.51 million at December&nbsp;31, 2013. The company accomplished asset growth while shrinking its portfolio of
OREO to $1.33 million at June&nbsp;30, 2014 compared with $1.82 million at June&nbsp;30, 2013, reflecting steady disposition of owned properties and few assets being added to OREO. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The company grew its balance sheet while continuing to improve asset quality metrics. At June&nbsp;30, 2014, the company&#146;s ratio of nonperforming loans
to total loans was 0.87%, its allowance for loan losses to total loans was 1.42%, with an allowance for loan losses to nonaccruing loans of 164.19%. The bank&#146;s &#147;Texas Ratio&#148; (NPAs + Troubled Debt Restructurings: Capital + Loan Loss
Reserve), a measurement of asset quality, was 10.81% at June&nbsp;30, 2014. </P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For the three months ended June&nbsp;30, 2014, return on average assets (ROAA) was 0.75% compared with ROAA of
0.75% for the three months ended June&nbsp;30, 2013, while return on average equity (ROAE) was 10.30% in second quarter 2014 compared with 10.74% in second quarter 2013. Several measurements of shareholder value increased, with total
stockholders&#146; equity rising to $32.63 million at June&nbsp;30, 2014 compared with $29.05 million at June&nbsp;30, 2013, while the company&#146;s book value rose to $9.70 per share at June&nbsp;30, 2014 compared with $8.67 at June&nbsp;30, 2013.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The bank remained &#147;well capitalized&#148; by accepted regulatory standards, with an approximate tier 1 to average total assets ratio of 9.31%, an
approximate tier 1 risk-based capital ratio of 12.05% and an approximate total risk-based capital ratio of 13.30% at June&nbsp;30, 2014. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Chapman
concluded: &#147;We believe our strategies to build long-term banking relationships with customers, aggressively pursue opportunities, win new business, and provide the superior service and capabilities necessary to retain business have all built
the value of our company. During the past several years, we have significantly strengthened the company&#146;s balance sheet, which has allowed the positive impact of growth to translate to our bottom line. We are encouraged about the remainder of
the year as economic conditions continue to improve, providing us with more opportunities to add business. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Growing shareholder value remains a
strong focus, and it was a significant event in the company&#146;s history to declare our first quarterly cash dividend. We look forward to continued growth and building the value of our company in the process.&#148; </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>About the Company </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Bank of the James, a wholly owned
subsidiary of Bank of the James Financial Group, Inc., serves the greater Lynchburg, Virginia MSA, often referred to as Region 2000, and other markets in and around Central Virginia. The bank operates nine full service locations, one limited service
branch, two loan production offices, and an investment services division. The company is celebrating its 15th anniversary this year. Bank of the James Financial Group, Inc. common stock is listed under the symbol &#147;BOTJ&#148; on the NASDAQ Stock
Market, LLC. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Cautionary Statement Regarding Forward-Looking Statements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This press release contains statements that constitute &#147;forward-looking statements&#148; within the meaning of the Private Securities Litigation Reform
Act of 1995. The words &#147;believe,&#148; &#147;estimate,&#148; &#147;expect,&#148; &#147;intend,&#148; &#147;anticipate,&#148; &#147;plan&#148; and similar expressions and variations thereof identify certain of such forward-looking statements
which speak only as of the dates on which they were made. Bank of the James Financial Group (the &#147;Company&#148;) undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information,
future events, or otherwise. Readers are cautioned that any such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and that actual results may differ materially from those indicated in the
forward-looking statements as a result of various factors. Such factors include, but are not limited to competition, general economic conditions, potential changes in interest rates, and changes in the value of real estate securing loans made by
Bank of the James (the &#147;Bank&#148;), a subsidiary of Bank of the James Financial Group, Inc. Additional information concerning factors that could cause actual results to materially differ from those in the forward-looking statements is
contained in the Company&#146;s filings with the Securities and Exchange Commission and previously filed by the Bank (as predecessor of the Company) with the Federal Reserve Board. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Contact: J. Todd Scruggs, Executive Vice President and CFO </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(434)&nbsp;846-2000 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>tscruggs@bankofthejames.com</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL TABLES FOLLOW </B></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Bank of the James Financial Group, Inc. and Subsidiaries </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>(000&#146;s) except ratios and percent data </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>unaudited
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:49.05pt; font-size:8pt; font-family:Times New Roman"><B>Selected Data:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three</B><br><B>months</B><br><B>ending</B><br><B>Jun 30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three</B><br><B>months</B><br><B>ending</B><br><B>Jun 30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Year</B><br><B>to</B><br><B>date</B><br><B>Jun 30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Year</B><br><B>to</B><br><B>date</B><br><B>Jun 30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4,610</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4,567</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9,104</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">587</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">610</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;3.77</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,178</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,226</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;3.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4,023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,957</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.67</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7,977</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.26</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;100.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">290</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;81.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">957</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">905</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,674</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,869</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;10.43</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,757</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,671</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2.34</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7,202</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2.28</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">339</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12.09</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">670</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.79</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">843</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">797</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5.77</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,548</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,585</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;2.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average shares outstanding</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,364,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,352,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.36</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,364,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,352,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.36</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic net income per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(0.01</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fully diluted net income per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(0.01</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:97.70pt; font-size:8pt; font-family:Times New Roman"><B>Balance Sheet at period end:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Jun 30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dec 31,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Jun 30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dec 31,</B><br><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">358,451</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">339,994</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5.43</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">331,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">319,922</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.68</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,921</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">65.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">861</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;4.76</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">39,046</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">49,628</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;21.32</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">46,085</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">53,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;13.65</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">400,261</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">387,398</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.32</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">388,788</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">399,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;2.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stockholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32,633</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29,772</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9.61</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29,053</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29,613</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;1.89</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">447,360</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">434,511</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2.96</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">430,871</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">441,381</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;2.38</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shares outstanding</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,364,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,364,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,352,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,352,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Book value per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8.67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(0.17</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
</TABLE>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:52.60pt; font-size:8pt; font-family:Times New Roman"><B>Daily averages:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three</B><br><B>months</B><br><B>ending</B><br><B>Jun 30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three</B><br><B>months</B><br><B>ending</B><br><B>Jun 30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Year</B><br><B>to</B><br><B>date</B><br><B>Jun 30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Year</B><br><B>to</B><br><B>date</B><br><B>Jun 30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">352,333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">326,672</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.86</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">347,887</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">324,066</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.35</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,539</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">915</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68.20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,089</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">936</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.35</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,089</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48,426</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;6.89</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48,216</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,702</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;4.90</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">402,723</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">386,778</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.12</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">397,975</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">387,385</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.73</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stockholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,832</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,756</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.34</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,499</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.58</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">409,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">390,048</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.02</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">406,318</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">390,577</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest bearing liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">339,666</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">332,744</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">339,021</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">333,077</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.78</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">448,363</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">428,946</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.53</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">444,128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">429,230</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:58.35pt; font-size:8pt; font-family:Times New Roman"><B>Financial Ratios:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three</B><br><B>months</B><br><B>ending</B><br><B>Jun 30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three</B><br><B>months</B><br><B>ending</B><br><B>Jun 30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Year</B><br><B>to</B><br><B>date</B><br><B>Jun&nbsp;30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Year</B><br><B>to</B><br><B>date</B><br><B>Jun&nbsp;30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Return on average assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.70</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.74</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.04</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Return on average equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.74</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.44</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.61</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.88</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1.27</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest margin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.96</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.14</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.12</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75.44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.06</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76.32</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">73.89</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average equity to average assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.32</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.94</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.32</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.85</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:88.10pt; font-size:8pt; font-family:Times New Roman"><B>Allowance for loan losses:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three</B><br><B>months</B><br><B>ending</B><br><B>Jun 30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three</B><br><B>months</B><br><B>ending</B><br><B>Jun 30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Year</B><br><B>to</B><br><B>date</B><br><B>Jun 30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Year</B><br><B>to</B><br><B>date</B><br><B>Jun 30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,261</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,606</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;6.15</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,186</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,535</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;6.31</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;100.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">290</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;81.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(97</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(271</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;64.21</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(101</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(457</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;77.90</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;84.71</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">107</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;65.42</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,177</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,475</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;5.44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,177</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,475</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;5.44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:77.45pt; font-size:8pt; font-family:Times New Roman"><B>Nonperforming assets:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Jun 30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dec 31,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Jun&nbsp;30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dec&nbsp;31,</B><br><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total nonperforming loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,066</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.84</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,346</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;20.99</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,329</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,451</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;8.41</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,817</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,112</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;13.97</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total nonperforming assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,482</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,517</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;0.77</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,831</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,458</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;19.24</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Troubled debt restructurings - (performing portion)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">559</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">564</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;0.89</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">567</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">572</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;0.87</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:68.30pt; font-size:8pt; font-family:Times New Roman"><B>Asset quality ratios:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Jun 30,</B><br><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dec 31,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Jun 30,</B><br><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dec 31,</B><br><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Nonperforming loans to total loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.87</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.89</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.02</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.49</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.94</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.45</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses to total loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.42</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.08</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.62</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.69</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.07</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses to nonperforming loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">164.19</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169.15</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4.95</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109.19</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>g763155ex99_1pg001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g763155ex99_1pg001.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@`8P$H`P$1``(1`0,1`?_$`,L``0`!!`(#`0``````
M```````'!@@)"@(%`P0+`0$!``$%`0$```````````````$"`P0%!@<($```
M!@$#`@,%!`4&"0T````!`@,$!08'`!$($@DA,1,4*&D*JD%1(A5A@3(C%G%"
M4B07&)&A\25%)S='.?"QP8*S)F9WMQDI&CH1``$#`@0#!`8%"04&!P````$`
M`@,1!"$Q$@5!409A<1,'@9&Q(C(4\*'14B/!X4)B<K)S-!4S8[,D%O'"TG0U
M)H)3PU1D)3;_V@`,`P$``A$#$0`_`-_C1$T1-$31$T1-$31$T1-$31%^;A]X
M??\`J^_1%T=AL4+58>3L5AEXF"@85HM(3$W.23.(AXA@W(*CA])23]=NS8M$
M$P$3**G*4`\QU3%'-/,(K=I?*XT#6@ESG<@!4E'.:QFMY`:.)P"P1\C_`)C3
MMZ8,DI&O4::NW(^SQRAVYR8?A&PTLCHAS$50-?K4[@XEV5(P;>I'D?)#]AAU
MZ=LOE'U;NH;-=MBLH'?^:[WZ4J#H:":'MI3BM1<;W9P^['623LP';B?L5@J_
MS8="*]Z6W"&^*L.H0!=?-]=0?"GOX&%HE0W+<I]OYOKB&_\`.UU0\C+[3I.X
MPZOX;O\`B6'_`*@9\7A'U_F_(KN<"?,T<#<GR+&%RU7,L<=7[M9-`DW;81I<
MZ2U$^P%4?V*E+OY5BD4X^)UHLJ8!XF,`:Y_=?)CJFPC,FWNANXP,0TZ7UY:7
M@</UE?@W^UE/XS71GU^Q9^<;9.Q_F"HPF0<6W6K9"I$^D*\1:J=.Q]A@I!/H
M`QA;R$:NNW!9(3;*)&$JB9MRG*4P"&O+;JQO-NN3;7\3H;EI]YK@6D=X.8/`
MC`YA;F.6.9NN(ZF'(@J0=6U6FB)HB:(FB)HB:(FB)HB:(FB)HB:(FB)HB:(F
MB)HB:(FB)HB:(FB)HB:(FB)HB:(FB)HB:(HQS!EF@X+QK><O9/L;.IT#'5;?
MVJUSSX^R+**C4_44*FGN!G+UV<2HMFZ>ZCARHFF0!,<H#=LK"ZW6_CVZQ:9+
MN9X:UHXD_D&9[%3+*R"(RRX1M%2OF\]SONS9R[BM^F(X9*8QYQHB958<?858
M/U&K60:-EC$9VK)IF9R)VFW2")2J^@L*C*,ZO2;D$Q3+*?7_`$5T'M725H)"
MUDN\O;^)*14@\6QUR9VCXJ5/(<+N&X37S\:BW&3?RGM[5B?#R#PV#R``#P#;
MPV`/LVUWA!.*PJTSS7C,LD4!ZE4R[?TCE+M_+N(;::7'@:%3FMH?L<=M;MS\
M^,.76?R['9KN.;<;6-%A?H(+1)T?%[")L#B1-35ZA+55!NXGE',=%F&0(Y?`
MZ;.@$`0*B9(Y_$O,[K/JWI3<(8]M-LS;I6>XXM#I2YM-0>'5H`:::-`(&=5N
M=HV^SOF.\?496GA@VG8<R13'[%7E,[H';D[5F:<RT'BQPJY8PMHK5CL6/KQ!
MW;/,Y"TJ;F:U)K1KB4=T"SVV[,4GA'+03-'RD>D_!NH`@)2G$HX]ST7U?UUM
MMM=;WN%@^![&R-<R!I>UKA6@D9&PD8X@.H2.Q3#?V6WSO\"*4/K3%Q.1^[4T
M6V'PNY@XKYQX#I/('$;I0T#:&JK2;@'RJ!I^BW"-]-.PTJQI(',1.3AG)PZ5
M`_=NFYTET]TU2Z\+W_I^]Z9W>3:MP`\9F+7"NE[#\+V]A'J."Z6TNX[VW$T=
M022"#^B1P5V6M0LE-$31$T1-$31$T1-$31$T1-$31$T1-$31$T1-$31$T1-$
M31$T1-$31$T1-$31$T1-$31%J/?-0\EYFNT'CYQ-KTBNS:9/DIO+.1D$%#)?
MF5>H[AE$4N)="00%5@O9G[IX=,VY#+1Z0B&Y0U[MY);'%/>W._3M!,0$49/!
MSA5Y[]%`#VE<WU!<N#66K:Y:CVC*BTK-_#<?/[?Y?M\OTZ^BC4FIS7-C+'-5
MEC>7IT!D6B3V1:JXO5`AKC6Y.\TMG*+0KJVT]A+LW5CK;:6;'37C7,S$IK-R
M+$,02&.`]1?,+%Y'<36DL-G((KMS"&/I4-?3W7$=A4-<VOO8M#L1S')?1:X+
MXU[,/*[&#:Z\6>._%^P1\.FQ1GZG.XHJSG(]$DUTA]&-OD':&4M.M')C$$$W
M*AUVKOI$Z*RI?Q:^1>J[[S$V2\-MU!=7C7/^%XD.AXYM<V@/=F.(7:V,.TW3
M-5K&S4,QQ'>#DL2_=6YL=TGB9D2^89XH\8T.,O%2M"DG3\PX<PDTLZ=UC7$4
MQ</K,6PQD)(TNBN$'2JJ)VH1R3QJ"0"HJ81`==QT+TWT1OUI#?[_`'QO-\</
M>AEE+2TAV#0'$.<*9FKFG@`M9N-UN%LYT=M&8K8<6MS'.HP'HQ"T^;5;;-?K
M+/7>YV&6MENMDN]G[-:)Z07E9R=FY%P9S(2,K(.CJ+NGCE8PF.81$=_`-@#8
M/H:WMX+2VCM[5C8K:-H#&MR:T9-`R`[`N=<7/=J?4O...?/-;*'RP7)V8Q_R
MRR'Q@D'JQZ7GJAREPAHTRO\`5F62<9H)O`?H)FW!-69I"SQ%?HV%062&^_0&
MO'?.C9H+K8XM\:`+JVETN/$LDP`]#@#CE5;G8KAT=V8#71(/148K?#*<IO`!
MW'8!'P'[?T[;:^8@X.R78D47/52A-$31$T1-$31$T1-$31$T1-$31$T1-$31
M$T1-$31$T1-$31$T1-$31$T1-$31$T1-$6BQ\U9795KRRXTVE9%;\DF^/TM!
MQ[@2F%$92NY#EWLHV3-^SZQ&MC:',`>.QP'7TQY(2M.PWL((UMNPXCC1T;0#
M3M((]"Y+?P!=L>ZH'AX=]3^9:MRBA4RGW.F0P`80]4=B`/F'6/W??MKVK2:T
M_2Y+28TJ5M`=K#M-=M[N0XKD;)#Y5YBPV0L:MJLQS)`R3"A5^IIV2?9O%A+1
M+(UJEACIF#75C'`I%%W^8MDO3%RBF)R&/XMUQU[U=T?>BVE@L76L^HQ$%SG:
M6FGOMJ-+L144IR*V^VV%K?L/XC_%;2HH*>@\1]?-9KG6$>WK\OMCN3Y$5G$'
M(F\OK^=KC:RY`A/;<H6%E$@<L\BTM#IV^JM)HU;>R+$@D<&12]=T4B8&$?#7
MF;-RZK\V;MNSW5S9Q,B!E:QU(VN--.`:U[G._)4E;9T5EL;3<AKW/?AP/JR`
M]JL_NOS5O'QK'.AQMQ3S19I(R9DV?\8VZC5&&6$0$"&>+Q"]R?"B(C^(I$1$
M2^0ZZ"U\C=V>\?/WMO$P?<:^1W=0^&`.VOH5F3J&,#\*(N<>9'UTK5:@7)/-
M)^1F>,I9S5H5-Q>?)ML>6D]#H#0[.IUU1VBW0,VC$E"IF45<F;BNZ7Z$_:':
MJJOIDZ^D/H'9]O&T[7#MGBOF$$>G6_%SN\^SLH*KFI'>)*9:!M2308`+)G\O
MS79:>[JF`'$:144*Q7LMV::4(`]*$.VQQ.Q9SK"'@5-60F&Z0;^`G.`?;KC?
M-61L/1%T)`??=&T=A+Q]A6?M'O;@P#@"?11?2/2+TE+]W04`^_PW'Q_PZ^0&
MMIW47<%>75:A-$31$T1-$31$T1-$31$T1-$31$T1-$31$T1-$31$T1-$31$T
M1-$31$T1-$31$T1-$6/SG?VV>._<29XGC>0)+9[!B&U2MFA/X+FR5R2E$)V*
M3C)JM2LL#)X\3@9,S1JLJ#84'`*-2="I=S;]/TQU=N_24L\VU>'JGC#3K;J`
M+2=+@*C$5=3OR6%>V$-\&"8D:#7#B#F"NFQ=VC^W!AY)F6F</<)JNF14^B3N
M58_M%EEE$P#9=Q(7US8EUES&#<PCL`C]@:KO>N>K]P&FYW"XTUR:[P\_V`TT
M]*AFV6$9JV)M>W'ZCA]2OTJU,JM&B&]?I=:KE0@6H]3>$JT%&5Z(0,(%*84(
MV';,V:6Y2@'X2!X``:YBXFN+N4S7<CI93^DXESCWDDDK,8QD;=,8`:.```^I
M<+>K64:W-'N?Y"6IEAY!6S*VDT<6LHP*3<ZDFI/GF?\`-18A)J!A7%P((@F`
MB?PU;M_'%PWY8.^8+AHT5U:N&FF.KE15/TZ#JH(^->7:OGO]ZK,_:LO=HCJE
MP.PQ5VN386U+.LD9XQ:V7I^))B/2;.D'=4K=4:'1K]R=K21TU33+1FT;(>B)
M457(*B)/K#RWV[KBUM3<]47#W6+HZ102>_(TD@ZW'-II4:7$NQ%0VF/$[I)M
M[Y*6+!K!]YPJ`>P<#_M6!81Z0$3;%V`PCN/D!0$>H1\@`-M>I%I&!S(R6LJ"
M*UP6[Y\LUP-L.+<?WCFIDZ#=0]AS;"(4W#,;*-A2?(XF:/T)28N9VZZ95FJ5
M[GFC<K$?PBJP8`J&Z:Y1U\U^<G545_=Q=,V+PZ*V<7RD9&0B@;7CI%:C&A/,
M%=/L5DY@-U(*5%&]W$^G(>E;6P!L/ZM@\_\`F\OLUX>UI:*$KHZKEJM0FB)H
MB:(FB)HB:(FB)HB:(FB)HB:(FB)HB:(FB)HB:(FB)HB:(FB)HB:(FB)HBXB8
M"^?W"/Z?\FH)`SR1>'V@FX%W#J'R#<H[[>(^1M4E]*UX*:+S%,)@W$``?'P`
M=]O'[?TZEIU"JA<M5(FB+&CW:>)^2^:?!W+&"\16AY6\@2`PMIK\<G)#%1%_
M7J+\)93'%D>E,0$8.W)I"F45!!`KU-`RVZ13@/3="[[9].=3V^Y;@S7:@N:X
MTJ6!XIX@[6]F-*T6#N=M)=6;HHC1^![Z</LK@OF]0O$KE'8,I2N$(+CMF:7R
M[`RIX2=Q['8^L3B?A)),_0))8J;$64<U'P.5RJL1HHD(*%4%,0,/V*_J#9(;
M%FZRW4#;![:M>7@!S>S&I(XM'O=E5Q/@S:S"UCC*.%,1].Q;0?;.^6\G6UBK
M.9>X22+1C8QPVF('C/!R24P:3>(BFZ9*9?L\8L,9^7(J$`3P<:JN5P/X7+GH
MZT#>*=9><$;XW;;TD7ZB"'W#A2G#\-IQKR<ZG,!;RQV)YI)>&C>#*Y]YY=G>
M"MR!A&L8ABRCHQHU8L(YJWCV#%FW09LV;)LD1NT9M&K9--!JT:-TRIIIIE*0
MB90*```:^?G%Q)D>2YYQ).9/$D\RNH%`*#!O(>Q>T"H[F#\(B7;<"CN/COY@
M`;AY:H#ZFAH#P[5-.2YE.!A,7[2[;AN&^P^(")?V@_6&JFDD8BB$47/52A-$
M31$T1-$31$T1-$31$T1-$31$T1-$31$T1-$31$T1:>'<>^8#Y@\2^:&=^.&-
M,=8#D*=BZ>@XF#F;7!W:0L3U&3J5?GUU9-2/N<7'&5(ZEE"%])%,OIE+ON.X
MC]!](^5?3^]=/VN[7TMQX\\9<0US0![Q&%6DKEKO>+R*Y?#%H#6O(Q%<AWJU
MUU\Q+W8H:E0N69CC3BQKBB<5].(R!(83S"PH,T?VA1L5&/NQKD$&L*SE(R1!
M(N/4H42EW,`AK=#RGZ%DN#8QW4OSP'P>-&7C"OP!M>W$9+'.];D`)*-\/5]T
MTH#0XY#%92>UQ\P8?FGFZM\:<\X=@<7Y)O:4H&/KA0)B4DZ/89B&C'$PZK4K
M"SX+3==D7D6Q<*-5P=O$%5$O2-Z9C$$>#ZV\JG]-[6[>MLN#<6<1'B->`'`$
MTU-+<"!AF!SX46SV_>3=3BWF9I<1@0<*]H[>Q;,)5!/L)1*)1`=C``F*.P^?
M4`[!M^G7C8=7\RW]*9YKBFY26`XHKH+>D;H4]`P+=)OZ)_3,82&#[M*D9I@N
M`.0..Q3$WW`/V3C]HAX>`;CX:@NH<\.Y*<UYC+`42@)3^(#X`0VXB'F(!MN(
M!J2X4PP<<JI0U[%XCGW#<_40NVP&$A@WZOL'?P#?;R'5+C7%!AWKY_\`WA>Y
M?STH_._DU@B@<H,F8[Q50+A%P=6J^/WL?3C,8QW3JY*.&ZT[!1[.QOA4>R"I
MQ.L[,<.K8!```-?4WE[T7TM<]-6>Z75C#+?/:7%SP75.IP!TN);EV+CMROKP
M7;XFR.$>JE`:<O2MNSM&VRS73MM<.[1<;%-VZUS^((Z3G;'995].6"9?K2TL
M"K^5EI%9R^?NE>D`,HJ<QAV#<=>%=?Q0VO65_;V[&QPMGHUK6@-`TC``4`[@
M%O\`:7.?MT3G&IT^G,K(QZH]0%$HAN(>91\/#RW\A$=<<9"*\@ME1></(-71
MDH7C%,NP[^6P[^0>'V^0:BE,DS4.YJMC[&N&<QY)JK!J_LU,Q=>KC!M7+5PX
M0F9RHU*7EH9C()L10?2#95XR31%(AP4$@B4@@(AM>VV%EWN%O:S.(MWS-:37
MX07`&G`855NX>8;=\K!5[6D]Y`_,M(QU\S;W'HIJT=3."<!PQ')4P(K,8YRM
M$(*KF1]4R2*TC=6Q%%0*(B)"B)@#QVVU]-Q>3O1LITP7$\AS.F2/"N63?:N2
M=O=^'"H8&G]4_;R[%XV7S/7<.E#'3C<,<=)-5(A5%$8RC9.DE4R&-T`HHFQO
M;@Z1.KPZC`!1'PWU,GDWTBQNJ6:Y8T_>D8*U[VI_7;WAI-,Z-.7!09SM[L'.
M3DC@3CSD*9O%GX[R4[<\_4RR53"$QD#%T#;(JI)8H=P,G/,7$ZK*R3QJ>S/$
MBG%<4>D=BE`>H1V?3'0?2NU7]Y;0Q1W<;60N#I@R1S2[Q=0::4`]UI6/=;A>
M7.@RN+<#\)<VM",Q7M6;OY6NTV>T\>.5LK:K)8[5*'S]`$/*6:;E[#(B0<<P
MYA`SZ6=/70$$^X[=?3N(C]NO,/.JW@MMYLXK1C(XA:'!K0!_:/X"@6ZV`UBE
M+L]0KZN?%;1@+E,4#$4(H4X])#)AU%,;Q\`.!A((^'WZ\7#SQ&/J70=V2`L/
M7T[@/@`[%*8QA#;QW`H"`;#X:I#S7#$*:(*IR@`F_"`"/4/0;;I\-MQ^P?']
M>KE:#F?4J<\<OK7L%'J*4WW@`_X0WT&(JB]=XL9LT=."%`QT&RZQ2FWZ3&22
M,<I1VV'81+JMHU.#>94$T!*T:9;YIKF,PL<I#)\<.-!F["Q2$.191SE$53-V
M<LLP*L<"6T""J9),!'8`#J\@VU]&Q^2>SO@9,;VY`=&''W69Z:KE3OUU]R.M
M?UEN]UB97G*]7YAR1)-Q+P<1*+HMRJ&205D8YN\4(GU"8_HD46$"]0B.P!OK
MYOF:^.5\0R:XCM-#2M/:NJC<'QM?3$@>BJ[H'27K&0!5`ZQ`W,B10HK%`?'<
MR(&$Y0V_1J*T%5/<O'[8`&$#B0/LZ1ZB&`WW"!B[CJDOX"FM32N(K3N7,SD"
M%*=00*4P@&Y@$@"(A^$I1/MU&,/EMYZ:C2N8I7[4(HN0K&#<1````$1W*;<"
MA]H[!X!^GRTU'$'/G3\GYTIQ0J_44IBE,?<0#<A3;>>QAW$`+L'\HZJ!PJ5!
MS07*8&$HF`#%_;`2F#8/,-Q,`;;AJ-1K04SYID*D+\%P'2)^H"%W\#*%$@#O
MY``FV`V^H#\*C'Z<U)&DT-/6OPSD"`'7^$1+N&Y3?BV\Q+OMU;;ZG5CC@/I]
M`AR[?6N9%NLHB40`0\]RG_#X?SMPU&H]GT]B9\U^F5Z>D1'<NP=1^@W2._D(
M&#<H!^O0O(Q.24QHN9#@<=RF`Q1`!`0#PV'R$1$=QW_DT:XDT/-"*8'->35Q
M0OF0=[S_`(J?,`/_`!G4O_36EZ^S_+O#HO;OX)_?*X&__P"H2_Q#[%5\]W@\
MG.NV=7.VS$X<IL736U32HD[E22F9B8G9J%0N:]S$L+`+1[*&A991V8B0K^N[
M.DF03)E*<P"3$BZ`LF]9OZS-Q*ZY+@[P@`&M.CP\2"206XTH,54=PE-E\@6M
M$8-:\3[VKCAFI<^7KA>,0\\Z/;LV9:+5LJ0))=CQVQN]@I!&&O5^G85Y$G=O
MKP)C1#"4C8A\Y)&Q*H)K2#M0!*H(D*DIJO-N7>F]+20[9!XEDX@SR`C4R,&N
M#,S7#4<FCUB]LXA-ZTRG2X?#R<[CZOKX+)9WN,-6R^\PYJ<RWW),7<2./1*!
M08ZF8SG<F9-M%YE)!K$J*VB=CN/V*TE9!!"0E7.P/GHI`Z!,!+N`>'%>6^Y6
M]IL#8]OV>>_W8N>7R-C8`/>(:WQ7D5PI4-K3B*K.W:/7=N\:=L<8I[M23EGI
M'KQX+6@RI+I<?,G1I^,'-6ZYF8LXYG,(94H;+,6%7$5/@Y<@:(_*+=*(33E=
MF1!-?VDACMU`5`O[13!KVG;X7;M8..^;;%;/=[O@N\.0$4S):/1CQ6CE)CEI
M$\NI2A%1[?:M@;E9W#.7%Y['_#?.;?-E\I68;%R/LV'\AY%H4^[J%CR'`4ZN
MY+:M5K`\@O83"O)DAF:KP$O3*NZ;^J(;F$->2[+TCL%EYFWNV?+Q3;;\IXK&
M/:'-87%F0=7(UH>VF2W,M[<2[5'(7N#]9!QQ/9AP6*K@-1.YGS<N&<L=\6N0
M=_;3SK'\58,OS5QSA:Z^M,UAC-.4Z[7$;.Y5F9Y%>7G72@%0:&;(J](BY4*F
M4-=YU5<='=,VEO=;Q9PNA\?3&UL33I<1B0,``&XG.O`56NM(KRYE<+9SM6C'
M&E1^4U4'<4.:O*OBGR5H=NJV8\ED?0^38*`OU0G;Q8;'6+?%!:&L+;*Q9(67
MDY&+D$G:!ETB+=/JHK@19)0IB@.MIO\`TUL.][-+!<6\/AF)SF/#0TM.DN:Y
MI%".&&1XA6+:YFMY!(QQU@Y\Q7CGZE+/>L_XIG,</$.O(4$8/#^ECRG&#]90
M-XZP/+:AZ)L#SC=^^Y7MQ=_GI"?O?8IYY$]U#)%8X1=O_B%Q?RO;\<K8FPE#
M67.=SQU8I*M33Z\2KB8_)<<A,Q"[=\+"IPZXO)%(AP(J\>I)F`1;#K7;7T/9
M3]3[IU!O,$4[;B<MA9(T.:&`"LE#A5QP'$-%>*K=?2BSAM;<N:&-.H@D5)/Y
M%M<]DWC'R;Q;@)#.7,#->8LF9<SI#Q<U#4C(V1K+:XG%..G"9)&NL214I)O&
M"5VM""R;V26Z/6:)BBT`2BFMU^#>9.\[+=[M_3.G[:W@V^U):Y\<;6.ED&#C
M@`=+:4;P.)Y+I-HMYV0^-<.<Y[\0"2:#GB>.?8LR-FNE5I<2XG+?982KPK98
MC=>8L$DQAXU)PL?H0:B\D%VR`NESALFF!A44'P*`CKSV&*XG?X5NUSY--0`T
MN.'$TJ:#B5MW%K1J<0&U6/;G3W$*IQIXTS&6L3LWF;+9;%PQYAI2A0[J[8_D
M<QV:3;52G5^VVJOBYBXA5*QR*9UHXRP2#HB)TDDQ./AUG2_2MSON\LL;U[;:
MW9^)*)#I?X+1J<6--":M!QR&>2UM[N#(+?Q(/Q)''2W3B-7"I%1AR4K\9<!K
M5UIC?+UJR#FBU93DL1-JQD_^/)R?AH2YV>:?QUDG[;/XKEVS="O6.*FFRK&(
M122:DB(8_LB:72/5K7;MN+)I)K*VBMF;>+C5&6-&IK6@M:T2`DD$>\ZOQ/Q)
MJKUM;EC6SR.<9G,HZO'C\/#E]:P;_-5(((\5^,P)(I)[\AY'?H3(0?\`9U8@
M\RE`?(/\6O4O)&IWV[J2?\J,R3^D%J]]`%NR@`]\^PK'[\JJBBORNY0%7126
M+_=WKNQ54R*`&V28\!V`Y1`/`WZ]=9YX.<W8[$M)!^:=QY1X+#V`#QY`<1H%
M./%2?\UTW10R)PN301213_@S-`B1(A4R;_GE#\>D@`7<1UC^1U7;?N+G$D^-
M%B37]%_-4[_I%Q$!@-#OWA^989.'?%/G)R2XG<I+7Q]RJ>G\?\!.5LC93HW]
MHD]237VUQ5*5F'7Y=&0#8$IV3BJ/&"8GYDNBTZA*FG^\,80[KJ'?^F-FZ@LH
M-T@\7=K@"..30UWAM+Z"I=D"XGX:D\<`L"&WN98)'Q$^"P5-#]*Y*O>RWRZS
MGASN`<<*O7\F7!;'>9<CPV-LD4B9LDO*5:=@;8FX8IR;F(DW;IDTF*^].F];
M.T2D7(9(2"82'.4;'F-T]MFY]+7<\L,8N[>%TC'AH#PYF-*BF#J$=@/-3MMQ
M+;WC"SX'O#3V@FF///ZE7G<.[N/*OFSR/LU`QMFBR87X[%R(;'N.*K6K@MC>
M#?PZ$^-<:Y`RI;8QPQ?NAE%=W[DSAQ[#&LQZ4TPZ#G/A=)=`[#TWLK+R\M6W
M.ZF+Q)'N:'D>[J+(VG(CX10`DJJ\W&XO9R-19!JH,:``$BIXXY\<#@HTS^XY
M&]M/)&,K!QZ[G<'GYW:HIU,.+-@+-$O<8>N3L*Y:$DJS>:?+6:V1,E%/O:B'
M:JO4O1D405`44S$$-9FS'9.MK25FZ;,ZV#'Z:31!A+2#1T;M+2#]X`X'BJ)?
M&LI6^'.'N(K5KB1Z<<?L6]7VKN:4CSSX8XSSU8V#&)OAU)JC9,C(A+T8E.^T
MMX2.EG\4@85#M(Z>:*MI!)`3&]`'7I`(@0!'YGZVZ>;TIU'-M49)LZ-?%6E0
MQ^0-,Z8MKS!76[9=F^LFS._M!@>TCBLALCXQS_\`2R=?]@?7,L_M!WA9K_@/
M<OD`6<O3?+,```"%[FP#<`VW&S.P$?UZ^]K<`V$>&/@M_<7G1[<J+>\[W>/,
MJY%PGQ)85GF'CCAQB6/B9A[EFY9!S'8\;)6A1>KT]M5X2)JM,36MN2WK8H/5
M2LVR9BH"/482]>OEWRTNK&UW6^=/MTVXWA+!$V.)KRPZG%Q+GD,CPH*Z@3PJ
MNFW6-[[:$B1L<8;C4T!P'`5)/H6GQR(IF+\--H"9P5W$'/)JV.)A5O/,*72L
M^8P7KB"+8[A.=0M=Y>MFTVV5>$!$I41(XZC`<`Z0$0^@]DN]PW(R,W7:/D8&
MM!:'NB?KQH6EK/A([R#5<[-'#&YOA2ZSGA44]?K')9U.WAW!.6%R[4'<[BK+
MFB]2UTXQ8TJM@PGE9Y..'62*@RN*<LT>1"=K<^M*O4HIQ7RG8+.%%5VY'"B8
M'Z`3`OF?572.P6O76S&WMXA;7DKA-&!1CRVA#BWX:G400`!@,*U6UM+RZ.W7
M`>]VMC06FN(KG0Y\EA'XX7_G7RNY98<J..^2>4W_`"!MEM7:X^NU]RU;U6M;
MFPAY5P[G#O9!Q-HQPLH=)R8#H,U%NK8$B>IT[>D[O9]+[!L5S<7-E"-K8RKV
M1Q-]X5`#:``8FF9RS6MB==3SL;&]WCDX$N->9QS5'92NO,'A]ROOT38,\9)C
MN0V$<AR4//WF%R?:[)Z]FB%2.%WJ,G+O!+8(J035*8R+QN**R1Q351_:)K*L
M;38-^V")T-I"=HN806L=&T!K3PH!@1B,#W*W(Z:&=Q<YWS#'$$UX\P5<ISGI
M?<6I^,N,W*7E+R8N>0H3EK6'%SQN1CE^W.GU?8I1D1848Z8K#%.`KU=55AY]
MLND2.(=!(3&2W`Q!`=+TO<='W%[>[+L-BR&2Q>&2:HV:7BI:<:%Q]YIQ<:E7
M;F.]T1S7;BX/Q%36GTK591NWGW=L^X#[5W,2W7FVO\JWC">0\6XXXWR.1'KJ
MR2$;,YHB9X$HV<?OESR,]7:.6KNI5LBNJH<0ZFPG!$2@3A^K?+W:=TZXVZ&W
M9X%M<PRON!&`T%L.@T`&`<_4&DBF&.:V5EN=Q#83"NI[2T,)YNK[*5]-."Q*
MX'<Y$[B^<+@]Y?=QY'`S6/KCFRNLDYQR!+`PF9=R_28QE0HE01LE7@FHD,J9
M=5-J+9!DR1'I()C$+KO]T9:=';6P;!M`N'O>&^%$T#``U>]VEQ(PI4U<2<>:
MUT>N]G(GETT!-7'#AAV9_9R4M\$^X[R([>O+J+H`9[D,W\=&>6$\>9$@T;A)
M7G%]TIKBQ$KQ\CXT>3;EZI"/$62I9-@X:&2!4A?0<%.4P@&MZGZ.VGJWI\WG
MRHM]Y%OXC':0Q['ANK1)3!WW2#7L5RSO9K&X#6N)AU4<*X4YC\A7#N[]Q+E)
MR!Y<Y[QT\R;?*;AW$^3[=CB@XFJUAEJE`)1M)E74"2?L36(<QZD]8;*JR%VH
MN],J5(BY4T2D3(&]7E_T?LNT;!:W<<,4FY3PM>^9P#G$O&HAI-=+14-`%,`:
MU4;C>W%S<R:RX1!Q&FN5,/KS_*K[^W?PEL]UMF!,E\+.[O#7JQ1MCQE;\Y\=
M5;7D?%E[;5I"9AI+)%8:UJ5M$F>T(,8LKMFJ*\81H]*4>E<I3EURO5?4L$,-
MU:=3;`60>'*R&X#62MU4+6/+M-&5-"*&O"F!67:6LKM/REP#)45;4M.??0^C
ML6]6V%,Q`,F&Q3"?;S`>D#FZ?PCY``>6OF9@I]/H5V)S7M:NJ%\QOO?*I%[J
MO,$IE4RB%TJ6X"<H"'^K6E^8".^OM#R[!_T7MQ_N3^^5P&X&E_-^V?8KGR=W
MCCJQ[34'P"'C`XN>6$,7S6/G63;:G24:E7)J7GY>4;9!KRK<)"VN[!`H2!%&
M6Y61RNTBB904P$#Z!W0.\R=<'JDWQBL/%:\1,+];@UH&@U`8&N(-<_=.55>^
M>A_I_P`EX3?$`/O'GJJ#EG3M6//MT<8<[<IN5F&:]@FN3C]S5<D4FYV6_-&C
MHM8QW"52QQTX\L5BL*9`91WHIL.EN@*GM#I<Q4DRF,;PZOJ_?-JV+8KB7=7M
MT/B<T1U;J>YS2T-`..(-:Y"E2<%B6L%Q<S-;`*R5K7@T@\2HQRW9I^6YB9!M
M'+!G=+//!R#F'&?(=9^:.O$FRC;NH2XUF/>OMBQ+P81NJRCOV$&J7H^GTIE*
M(9MA!#'T]';[!X4<9MF^"X>]&"8Q1Q`^(5Q=3&M53*2Z<NGU$:O>YYXTKQX*
M6NX+F'A=F7+E1F."W'Z7X\8BKM`CZQ+0$^1LC+VVW(3$F[>6AVDVL5J`R@1K
MMNT,HJ]476%`3'`-PU@=);;U%MEE)%U-=MN[]T^H$5]UA`HT5:W"H)%```5<
MNI+6:75:LT1Z1AQKCB<>."OKS9_^>KA9]W]^G*NWZH7+>VN7L\/-NZ'#^FM]
MK5E/)_I48_O7>P*\GY4O8W)3EP4=A`<%T$1`?$-POLAL(AK0>>&&QV-.-T[]
MPK*V"OS;_P"%_O!:VLD(?W@Y/Q#_`&\/A\_M_M14\=>P$4VEU/\`VKO\-:5@
M`<VG,*^_O7!_\IO,;_S`@/(=AW_LXI8B`?I$-<IY;?\`XFP_AN_?.7J6;N8_
MS\AX:OL4,<J^(4A@W"/"C/\`%HNE\<\L<`1]K%XL!U$8W*E:?.HN]5[UAW`J
M;UD=A)-BCM^!RJ0-P2'6UV7?V;GN6X[3*6BZL+C13[T;@#&[UU![J\5C2P.A
MABE/O,>*@]Q-1VD?8MS'Y=SG@IR=XGA@"]SIY#,?%IM'U4YG[@59&S8@=^HE
MCJQ`*A_4<'KJ#<\&Z/XB7V1`YAW6#7SGYL]*_P!&W_\`JULVFWWU78"@;+F\
M?^*NH<ZG#!=7LEX)H/EGG\1F1/%O/T9>I33&VJ$G.Y_RJNW+6T1E1H7$C%^)
MR<3*=>GJ,=4C1.1*_*S&6L_UB-?&(RN%U&:C@KQ7;9-R]BTB"T3*118`/JY+
M=\'1=C:["WQ+K<9Y?FGL'OAT;@R.!QK[K"TZZ&@)Q)I52'AVZR/NS1L3!X8.
M5*8NIS!6.S`6+\K<F^YDVF+34;!0,'7?D-)=R5UBRR1:T)(PU*Q14O[`^+-G
MNE6<E2_AFV9ON`R-E_+W2:3X64619<G6'AV.ZWMALO1ICA>R;<V6O]/\04=5
M\CQ+<-8X&KFPLHP/&%7:1@M?;PON=P&H%D)?XI;EADVH[3PY8K;*`A"B(E*4
M!$1,(@``(B/B(B/VB(Z\0``%!DNH6K#\U:)0XL<9>H0`/[P\CYB`?[NK']^O
M;/)'_KMY_P`J/W@M#OW\NS]H^PK'Q\J><H\L^3Y0,!M^.L&.P&`=NG)<0'B'
M_6UUOGB/_H+'G\V__#6'L7\U(/U!^\I3^;!$`R-PMW$`_P"YN9_,0#_3M#UB
M^1@_R&X?QHOW'JGJ#^9C_AN]H7'L,]!NUQW9#?A'_,U]W'P\@XWS&V_Z`WUB
M^:/_`.YV2O\`=?XY4[7_`-,NOV?]U:__`&ND6[SN&<(F:YQ!![R$QLR7,D8/
M4]%W)`W5Z-M]SE35$0\_'7KG6;O#Z6W&0U+A:RGTAII]=.X8K46W\U"PY&1O
MM"C[E=QPNW$#D_D7!>7ZQ(I.:5>GJZ""JB\2A><>+S*CR"L%<EQ05*>-M5<,
M7TWB150;+G.4Q?42,35_8=XMNH=DAW.PD#C-%B13\.330APYM?6H.8R5%Q!)
M;S.@?@]II3F/SC(\.*RP1A?EL5:.RLDBUY\Q5M7C47$ECEK)DD)1A*"@!UXM
M*PEBVM5?-T7`B1-R#LA5";'$I!$2AP;AYQ"Y,+'[:Z`.IXE!2GWM/Q>@`FO-
M;#5LA8'$3&2GPUR/>:#Z_L6V=V7Z3QYJO!+']IXNU')-(Q!EZSWG)D/7<M6Q
MA<KNW<KSJM/7>2,O%-6L:BB_0J"2Z39'U2H%4$HJ''<VO!?,.YW>?J>2UWR6
M&6^@C8PNB:6LI36*5QJ"X@DKI-I;!\IXML'"-SR:.S^Z1W8>M=5W;^Z(Q[:F
M-\?2),6RF3K5FLN0:Y200L#*`@J]/5N#C7;:2M`KLWK]]$BI,D,*30H+'](2
M[EZP,7(Z"Z)EZQO)*3B&WMW,+\"XN#B<&4(Q]WCSXT5&Z;@+*,`-U.>#V4^E
M>SO7SCL;42]9RRW2\>4B&?6O(>4+U&1,+"Q3919Y(S5@FB'76*V1`YDV30[@
MZZZ@[)MVZ9CG,!2B.OKR]N;3;-MDN;EP990PDDDTHUK:"OWCAEQR7%L;(]P8
MS%Y(`^GI65+OYNLN(]QO(E3R:\EU82D4+%\%A=L]%R,$ACHM#A"GDJP@<WLP
M-96WIR1WJJ0>HH\*<B@[D*!>&\K!MW^CXI[*GB2/>92!B9-1)!XT#=(%3@,E
MG;KX@OGLDX``?LT`KV$J`N2N:NWS;.)?'C%/&3C5<,?<BZFM"2?(#--O=,'Z
M]TD$JN]C[#&1\DA8Y1T]B)FTN`>M$A91Z+1N@1,"=?7K<[/MG5$&_75]O%Y'
M-M$I+8(F:J1M#@6Z@6@:@W!U"ZI)Q6/)-:N@C9`QPF;\1)K7#AV>A7A]LD0#
MMD=[@1$`VP=BL-QV\`![=_M^X-<[UD2>M>FQ_P#(F]C%EV@I8W?\-OM*MH[*
M!B&[IO#@`,41_M"G_`#`/^[^WCY;_>&MSYD5_P!$[A^PW_$:K.W_`,[#^V%0
M'=R.F'<OYR[G(`AGNW;[F`!`?88L/O\`#PUF]!M_[/VN@P^59^51>_SD_P#%
M*RO]Z'TR]L3LJ"'2`#A@X@.X``[XBQ8/A]X?B_QZX+RX'_>74?\`S'_K2K,O
MP/DK3]@_D5I7`_BI>>7/;#[C%4Q9$.[+D;&F6N->8ZS5HY/UI&TDI]=R8UL<
M%%MRCU.I9Q5YEVJT1#<R[A$J90$YR@.^ZJWRTV+K/9[B^<&6DL%Q$YQR:7F/
M2X_JZ@`3PSX+&M;=]S;W`C%7L+2*<?BP6/OAW8>(-6S"JWYRXOR3D'#KN*>P
MS]#&5C>U2]T6T(OFIVT]^6"XBS6!LBD@NT=QRRS=8GJ@J3<Z?I'ZKJ&'?I]M
M!Z8N((;\.U?B-U,D;0B@<6FE<VN%0:`'-8L#K?Q!\TUQC(I0'$'FLQ584^7_
M`,B9KPCAK`O'#F#D&WY9RI0<?QLA9\FR&.ZU!N[598V+))O5'DY-S,D2+%UZ
MQFZ#+]\"8D]0F_4'GERSS6M-JN]QW2\LHH8+>1SFMB:]SFM;J-*-#17F3AR6
M>W^D.E9'%',ZKVBI<!Z%-O-BZ]DGFUF3-1\RW#+/!GE!C7(5SQI:,@UJF/<A
MT7+)\<S3VHLK1*0]=C99E-2T@SAB?C4"$DO)-55QTE/K7=.6GF1TQM\`L&6^
MY;)+&R1K'.#'Q:VAVD$FK::J_IMY`*]<2;7>2.<XR0S-);4>\TTXTS)P[/2M
M::NN+/4\TPZ_'BS6J7N<%D=-MA.WU>.DJ]=9Z6:SYFE)EH>$;K.I2,E9W9!0
M6`J*BGZID5!.4#;^R7#+>YVY[=W9&VU,/XS7.!8T::O:79$-Q`=A6@*TS7/;
M('1'\0.%#D?4OK9XZ4LZM%I2MV121NBM1K:MP(AZ8(I6I2&9GL:214OW8)DF
M16``+X``>'AMKX.G^7%U(+8_@>([3^S7W1VX+T>,R&-OB?%I%>_BJU,.P".V
M^WV!YCJA5*P/)V..V_9,A6B;R_B?BK9LE.GX)VZ9O6*Z+/VYW)-&S=F0)N7E
MJV]?O'+9H@FD`J*'$J9"E`=@#6TAWO>[2)L-O=W+(&BC6ME>&@=@#J#N"Q7V
MMH]Q<]C"XG$T%?2J`'"G:4%=-T&">%8*HC^[$,+8X`H;;"`B0M4*F80$/M*.
MKG^I>I-):+Z[#3G^-)_Q)\E9T_LXZ=P5RM/RYQ(Q["%KE!LF(J-7DQ`Z4%38
MV*K$,D<2@7U$XR%C6+,I]@`-P)OL'GK5W%S=W;Q)=2/E=2@+W%QIRJ:J_&R*
M/W8P&@\J#V*TG-'';M,<B;X.4,U8WXZY!R$<$"O+9+QSAM+S/LB9$FW\1JQ"
ML:G9A023*F4T@1R($*!=^D``-YM_5G5.T6GR>WWMQ%9UP:'&@[!4&@[!0+'F
ML;&5Y?)&TO)J>';P.?M7K7KC/VALE)U9O=\.\6)EM28,:Q4F:5491$?`0)GJ
MTD>-CV$&A&LD459!PHL<PD$YU#B)C#JY:]8=7V`>+?<+IOBOU.J\G4ZF=36F
M%:`8*B3;MNE%'Q,H.6'LS7<R>"NU/-8@K/'Z7H/'R1PI3+3(7BJXT79.!J\#
M;Y1-^A(V"/9>H)DY)XE*N2J'$P[@L;P#?5N/JOJ:/<W[PR\G&Y/C#'2`^\6X
M4!-,L%<-A9&`0&-OA-.7;ZU5''_'G;/XKS=BL7'6N8+P_.6Z*:0=DDZ6W6C7
MDU$,':C]E'OE#F6!1NV>*F4*``&QQWU;W;J/J#?(F1;M=37$4;M30\U`<<*C
MM2"TLK5VN!C6DBAIR4.*<.NS$I,*6!7!?%9294ECSIY(:\'MAI@[_P#,C2`J
M=0B9T:0'U1-_3\=9QZWZT$'@F_NO`T::%QI3(-RRIWJT-KVXNQB9JK447?Y-
MXS=HO-%ZL>4,KXMXXWW(EO>(/K/<+"P=.9F;>-F3:.;NI!P55,%%TF3-)(#;
M!N0A0U:L.L>K-KMF6.WWT\5LP>ZUIP;B3AAE4DJ9-NL)7&66-I>[`G''U%5W
M;L9=LC(&'Z)Q]NU5P)9\+8N7:N,>8WEF)UZY35VJ#UJBI7D3;+L!!"07(/2H
M(&*H(&`0VVPK7J3J*UW*;=[:[E;N4^$D@/O.!SK_`+%<DLK-\+87QM\)GPC*
MG=1==@S#O:ZXS75QD+`-/P-B6Z.H9Y7'%CIB+Z-DW4#(+-73N*=&]=1%RS7<
M,DCB0Y#`4Z93!L8-7]TZGZDWJW%KNUW//:@UTOQ%1A6M,QWXJFWL;*V?XD#&
MM?2G'[5..6,B\8\O4:=I$OFMC6#S$>Z8,+I1;&>N9"J"SLR9S2U*M9&#EY7)
MDATB[.$2[[;@("`ZU%E=3V$XE8&O%<6/&ICQ^NS)PQR.'J61+$R9IC?2O9@1
MW'FO3QI=.*N,9&VV%AER#L5XR$[AGU^R!:IHDC;[<K78T8FO-I%ZVCF+%I#U
MZ.,9-@P9MVS-KZJJA4O5764/<N+RZO8XXY`&V\0(8QHHQE34D#B2:5<<3AP`
M41QQQ$N8?Q'9DYFBF,W)S`'2/^M>H>0_Z0-_T)".L-S3I-:@45P.;7-0MF26
MX(<AHJ)K^=`P?EV!@),TU"PN0X:.M<;%2RC55B>28-I5DY0;O#,UCI"H4O5T
M&$-]AUG;?N>[;3,9MLGD@F>VA+'%I+<\:9Y*B:&WG9IG:'-&553&&H+MQ<=Y
MZ6LN"JSQTQ%/ST42%FY?'=6AZK(RT.F[3?)1D@[B8UNHZ8IO4BJ@D;<H*%`V
MV^KFX[[OF\1,;NEU//`P^Z'N<6@Y5QX]JMQ6MK;DNA8UKCQ"\N:8CMV<CGL"
M_P`_0O'_`#(\JR$@UK+C(D#&6A6`:RBC=:2;Q1I-BX]C3?*LTC*@3;K%,N^^
MP:G:][W[9&N;M=S+;B4@N#'$!Q&1^Q3/;VMR09VASAE5<<:1';NPU3[GC[$T
M+Q^QU1LC@N6_5&HP$;"5^Y$<Q9X1P2QQ;-F1M*$<0RAFJ@*E$#H&$@_A';47
M^\[WN-TR^W"YFEN8J:'.<26T-10\,>Q1':VL<;HHF`,=F.?>H]I^$.TWCVTU
MV[4;$/$JI6ZHRS.<J]EKV.JU%SE?F&!P492<1)-(E-PP?-#ANFHF8#$'RUG7
M'5/5-W`ZVNKVZ?!(TM<TO=1S3A0CC48?4K;+"QC?XC(F!XXTR*K7D56.W/RU
MAV<#R-BL'Y98QA%"0[BT-!/.P7KB)E@@+0P(PLL&1P;\2A6KM(IQ`!,`CK#V
MG?-\V!Y=M-S+;EV>DT![V_"3VD5X*Y/;VMR!X[0XC(\?6,59I4^VOV,Z;)DE
MXW#.$Y)XDIZR*=MMV0;K&)F*8!``AK19I2).0HAX`HBI]WCKH9?,3KB=NAVX
M3C#@&CZPW/N6-_2]O&`C;3T_:LG5*S)Q1QS6(:ET.X8NI=.KK$D=`56IM6-?
MKL(P*8RA6<5#Q;-M'L6_J*&-T))D`3&$1#<1'7'3R75S,ZXNW.DF<:N<XESG
M'F2<2LYGAL:&1@!HP`&`"AWD-$=O#E=$0$%R+883R_%U9V^?UMO=4#21X![)
M(HMY!S#NDBMWD>J];MDR*BFH7K*0H#Y!K8;5O.];$]\FSW$UNZ4#7H)]ZF51
M0Y5-%:GM;:Z`%PQKRW*JI+`^+NV%Q=E%YWC[3..^*K"[04:.+/68)L%I,S6`
M2JLD[+((OYQ!DX`?WB1'!$U/#J`=7MTZCZAWV/PMTO)YXF_HN<=//X<`>RH-
M."B"SM+=VJ&-H=SX^BM5VG(ZD=MKELW@VW)"$P?EO^&RJ$KLA:$%?SV$2<'!
M1TUB[#%C'SK)@Z6*!U&Y'`(*&#<Q!'QU:VK?M]V$N=M%U-;M?\0830D<2W$5
M[<U-Q:6EU_,,#G<\CZU&2_&+M`NL>,L3JX=XMACJ/FT+*E64:JS:)+6!JS=,
M&TR_E&Z",Q+/T&;Q5,JCIPL(%4'[=9[>L>L([YU^W<+KYLMTDZB:C.E*4'80
M.\JW_3[`QB,Q-H#7M]9-54^-\,=K'$%4R/1<:43CM4J7E^/CHG*5491'M,!?
M(J*%V>,C[/&2'M;639LSOEA(F<G2'J#OOK&O>J>I-PN8KJ_O)I+BW),;BZCF
M$TKI(`IE]JJCL;*&-PBC:&/SJ*U]!*]VB8D[5V++?`Y!QGB_BI0KS6'*KROV
MZJT"MPMBA'2[99FJYBI1A$(.V:RC1RHD)BF`>@Y@\A'55YU-U-N,#K.^O;F6
MW?\`$TO<0>(J,E$=G91N$L<;`X9&B\MOQ/VK,A6>?NU\Q1Q+N=RM3]:8LUIM
M&-:A-3\]*KE*1Q(2TM(P:[Y^\6(F4#'4.)S``:IM^I.I+*%EM;WMU';1BC6M
MD<`T<@`<D=9V3WF1T;"XG.E5W^0:OVWLKU6B4?)M6XY7REXO:#'8VJEGJD/+
M5^B1QF;6/%C58EU'J,X-K[`Q01Z$"$)Z2)"[;%#5FRWW?]NN);O;[J>*:;&1
MS7D%W'WB<3Q-<\:JN6VM)6!DK&%C<L%4.%2]O[CBG8&^!&6",/-;6LP<V1MC
MJ#C:LE/.HI)PA&.)5*,9H)O58]-TJ5(QP$2%4,`>8ZM;GN^\[UHDW>XEN/"!
M#-;B[37$TKB,@JX;:WMP1`P-KG3!0+FWC)VB>1EG>W/,F+N.5NM\FL=Q*6I)
M@YK-CEUSG$QG$S,U%6!?3#E0W[2CDZJAOM,.MIM_5W5VTV_@;??7,<%*:=51
M3D`0:#L%`L>7;["=U7QM+NRH[<:%=WAG`G:;X\RT?8\,XOXR4>T1*Z3J)M36
ML,I6UQ;Q$P"D\C+1/MY>>8.DQ#<JJ*Y%`'Q`VK&X]5=3[O%X6X7MQ+!C4%Q#
M37`@M;0$$8$&H/)5PV%E`[5'&T.KWD4RS)5$9AX?=G#/5BD[=E+$?'.<MDX[
M7DIRR1",G2IF;DG2IW#N1EY"D/:\M)/G:QS'567%150PB)C"([ZR+#K3J[;H
M!:V-_.RV;DW5J`'(:@<ADJ7;=82O+W1-+SG2H'JJJOX^<>^TYQ:L#>UX(Q[Q
M\H=M:`=-I;TFKNPV]D51,Z:@1EIMB\Y-Q@JD$2F,W<)B8@B41V';5O<NJNJM
MWB%MNE[<S6_W22&D<B&@`C]I3%964+M<4;0\<<Z=U<EDGIE^I>06+F2I%AC+
M)',W0L7+R*6]9!!X"2:XMU#=).E7TEBFV\?`=<\6TS&*RP:Y*L!$0`=@W'[M
M$6,FY<\;+7^2_(+CVE"XA@5,,,N/2U:EKW=;E'/,F2_(<)IG6ZXQ95^BSZ%?
M>,I^(38&<*JN$3G?)*&*FF100J`!'%,5DP.9P+<13(D1T9$1(14QC(D<"F(E
M*H=,`,9,JFP")0`1#RU2BM?X9\@YSE%@&`S38*I$TIY/6K)]=)78>:=V!LU1
MQODRVXV,[-*/8N&554EG%24=@0$"@BFN5/J,)1,,D`'!,5&'(3FT'&?/5`I6
M2J`=#C]<*LP=6WD,RF>N.PI;+%;TJ;2"95KBC$#1>-[=-J@R&RI.S-HA\J@5
M\FDW6%RG-*BH09TXJY7!>0Y[*6/6MRL,3"PKQW9K[")LH&2=R\?['3KQ8J<U
M?%?O&4>HHI*$@/:1*5/H3!8"%,<"]8PX4-%`42\PN6D)Q%H$=?9:J2-V;A,M
MGUGB85^U9R58Q+`.XYSE[+"J3HA_S&)Q?57HOUVJ0`L[4,D@F('5`0D-JG&B
MNOCY!A+,64I%O&LA&R3-M(1[]DNFY:/6+Q$CAH\:N$3'27;.6ZA3IG*(E.4P
M"`B`ZI4JQ#*W-XN#N3\5AK*5#"O88M\#08^N<DDYLSBI5/,.2)2VQ5+QKEZ(
M/'H*TF+O+FIJH0M@!RO'+R:B3!?V===`RE5,*IFKHL&7^;REB>E9!L4/&5^7
MM,6>2=PT0_=RD?'_`-<<H)H(OWS&-<N1!)`!,8R"?XA$`#8-QAPH:*`:BJ@9
MKR8NV2<^9WP5@VF5.26XU,Z$SR?<,C628@(E_?<D5@]UKU"J3"OU^>?+ECJF
MJT=2DLXZ$6RC])%!NZ,184YH.*G%71X_EK;/4>I3-]JS>CW:4KT4]MM.:325
MD9UBQ.&:2DQ!M+`@V9)3C2-?&.DD[*BB#@A0/Z9.KI"E%`&#^0UAROG?EOB"
M4J<-!1W&>^8_I<=/Q\V^DGER+?<85S)Z4@\C7,2P0@C1;*RI,S)$7=^JLD=0
M#%*)2ZD@4JBF;+F16V*<=V>]+1YIIW#L2)0-=2=MV+NV6R6=-X:GT^/=NA!J
MWDK9:)!I'(**""::KD#'$"@(Z`514/Q=S_!\G<&43,T-%N*XO9&LC&VNFOW*
M+N5H.0ZE,2%1R-C^7<(`5)Q)4J\0C^.45*4A''LX+$`"*%T."*D^0'(6>PWE
M7B;CN)JD186?)/,DUBB1EI&:>Q;FGEB,7W?)XSC)DVBY!*<%=I1EF?LYU6G2
MJX34]02E,40`**ZHH[@`^6_D'Z/\FH1<M$5J_(#D<[Q3D/C]A*EU-O<LO\D[
M)=(FD,IF74KU0KM<QG5#7+(=WMLRW82TA[!`Q2C9!LQ:-E74@_?(I`9%/U5T
MI`15)AO+5BO%PS#0K>7%R=AQ18:Y$JEQQ?S6QTJSL-:9S:2]PK;V*BYO'DR5
MVJLFDP=^T`Y:IINDECIJ])!%$40<R>7BG%2;XZ,GB&-V%:SCDVTXYGK[E*[N
M:+4L;)UW$60,L)V68DDHB3;KQKM+'ZL><JBC;TEGB:G68I3$$`#FF*ESBOG*
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M'J*36#?OI)HJSHEXGJ:WD5'#]C'+)N93\C%P=($S%1]4"`<_2)A$`'!0%9)R
MLY\SO&[-\_BAM2L?3C:#XJ6;DW&J6?(<G4['?7E4NR%/6Q!2(AE4+(,I>;(=
MP4\5Z8+"LX,5$R(`;U`D`$54K(31K,M<Z33K@ZK\U47-LJU>LB]4LS<C2QUE
M>=B6DHK7I]JFHJFVFX91T+9TF4Q@(ND<`$0#?5**J0$!WV$!V\!V'?8?TZ(O
MW1%:;F_D38L5<@^(N%HNI0LY&\F[?DVK2%CD)M]'/:8&-\9363%7K.+;13Y"
M=&89P:C,J9UVGHJJ%4$QR@)=2`*)BI^R+8I.I8_NULAF;!_+5FJ6&PQ\?+.G
M#&.?.H6+=R*3-\]9MGKEHW<BUZ#*IHJF3`W4!#;;"&>**Q/C[SX=9Z7Q;5%L
M;H8MS*O>0H/(O"EVL*B]OP^_>8JL^5*S9:R[C(L8_(N/K_#UH5("=1!JQD&S
MC?J3<MW+1.=.:@U%.15VW(W.U-XQX)RMR!R"G)KTW$=)F[O/-(5L1Y,R+6':
MF52BXALHJ@BM)RKL4VR`*'(GZJI>LQ2[B%*E4K0KIR8E9;&SB]8EQM#5.Z14
MC(W$]9R3+3-CQ0\&"_-Z_#OVTE4(B-O'MKT?8';MBJT*U<;'(DLB;U"SAZ5&
M/H5R>X>6X;^>V_V:A2OW1%^#OMX!N/\`R_DT16]TOCE4J5G;..?F<S99*T9_
MB,80UV@Y=6&<U1JVQ`SFX^D*5]@C$H2#%TT;6-Y[0=5RO[0=0IMBBF7::X41
M3\X34404216,W5.F<B;@A$U#H'$ABD6*FL!DE#)F$!`#`)1$/$!#4(H-XW<?
MZQQBQ1&8>I4W9YZL0T[=+!'.[>XBGDV1Y?;C.WRP(JO(B*AVR[8UELCQ1`!1
M`R2*A4MQ*0NI)JF/%>_9,(5>XWFP6^VG6L\1:L6O,06/'4]'P$G1)NG2,BYD
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MRVKD1L:^U#-F/Z_C2]8UM#*$?4EY5ZVI9562:*!(U&7*]7/;GIE53NE!`PI&
M2!(Z)#:5PHHXU578:Q35\&8IQ_AND_FW\'8TJD/2ZN$]*+S<R$#`LTV$:24F
M'/\`691\1JD4JCA7=58P=1Q$PB(B:J5%LGQ=K:&9KGG?'ETO>)K_`)/@ZG7L
MLJTQ>LO8')C*CH/6-3E)^O7"NV:.9W"O1+Y1BVF&!6CT6/0@L99-)$$P-$5Q
MT1'A$Q<?&`\D)`&#1NT]NEG9Y"3>>@F5,7+]ZH!3NGBXEZE#B`=1A$=@#PU"
M*$,6\>:UBC*N?LN0UBM,K/\`(VSU:VWF/FU8=2%82U-I\508$*RA'Q#!W'-$
MJK!M454UEG(K*IBJ)@.8V\DU%$Q539.P]7<LR./EK<Y>OH&@VE:W#25VD'(T
M^X2P0LE#187*+F(F0/)M:\:44?,4TU$`1DDT'`]1T$]@-.]%1F#.,]&X]V3-
M$UCI[.1T)F_(891F\?&&%;4&H7!:OP];F7N/H&)B(\U=0L[2!;.9)$55R.I$
M%'6Q55E1.)KWJ%QSGQN@<ZVO"-SE+G=Z;/\`'^]R>2:`\IJM9*3^*I6FV&@N
M%IUK9:W8V\I'EK%J?I%;]"9/46!01$R9-@-%*D['=&>T2,DV,C>;ID20EYZ2
MGWMBO3V(<2A5)`$")14>TK\+7H.)@8ILV(DU:MFB92@!CG$ZISG,)JBD'4(H
M(S3Q[I.;9#&EFF7=AJ^0<-6EY<L4Y)ID@A&6ZDS<I"O*W.I-%'S.2B)>OVBO
M2"K&5BY!J[8/VYB^HEUII*)R#1%^8BP!6L2VK+604)RR6S(6<9ZJV/)=KL:T
M8D>8D:53XRB5DD="0,;#P,$QC:U$((^DW;E%50#**&.<PCH35%U><.-%&SY:
M\*VF\NY=8N#+G8;Q7:T@E`NZO99*U8[MV*YV,O$5.0LJ6=KSZCWJ4:F:%.@0
M3N`4$1,F4-`:)BNYX^X&KG'"@H8MI%ANLO0862DEJ/!7:>+9E<>UI\Y.Y8X^
MK$TX:I32E&JX*"WB&K]=ZO'LBIMB+BBDF4HFJ=Z]*_\`'BKW'*59SI"3=AQ[
MF:J4N>QLROU4&'6<RN/;'*1\[(4RTPEBBIJ`LD(VGXQ&08@NW]>/?`91!0@*
MKD551=Q@S!%#X^U69J]%2EW![5=;5DN\6BRR0S-MOF1+O(#)VJYVN6])ND\E
MY1<$TP*BBW:M6J"+=NBD@BFF435%3^4..D#D3*..,VQ5MM^.LLXPKEUI4!<*
M@>ON@?T?(;JM/K94;)`6N"L4!,Q;N2J$<\;G,W(Z9NVQ3HJE`RA#@:(I5H%&
MA\<U9E5(162=-&KJ7DG,C-//S"9EYBP3#ZP3TU+/030(XD9>;DW#A42)II%.
MH)4R$(!2@)J@48N>/%7<<F6/*<TY9OX[C\.O<'-X/UH<:A_!3^UM;LX5%D>)
M-+EGOXB9IJ%=%>%`$2BET=)AW5PHBFZ79KR$3(,&[QU'.7K!VS0D6*B2;V/7
M<ME4$G[159%PDFZ:**`HF8R:A0,4!$I@\!A%3&,JO8*50*?4[7=9?(]DKM>B
MX>;OM@;1S2<M\BP:D0<S\LWB&K*,3?R!R]:GHHI$$PB/2&^VI)J<,E`5=:A2
MK?,H\=JSE7+F`,R3%AM479..$_<+)0XZ%6ADX)])WNH2%$L?\3MG\0^>R39>
MKRJZ")$5VPH*G!4!$Y0VD&F"*6[I64[I3K/3W$@^B6]I@)6O.Y&,!F:29M)E
MDM'NUV`OV[QD5V1NX-Z9E4E"%-L(E';;0&AJB@4O$;$"F4,#9O?Q+U]F+CQ2
MYK'=.R$5PVC)F<I4]7%ZX^KMW1BFS..LD:B187K1-1$A6,@)UFWI`LN117U)
MV*:,F8UH^8\>73%62ZZQMF/\AUB9I]QK,D"@L9JO3[%6/E(]<R)TET@6;+F`
MJB9R*I'V.0Q3%`0A%0>*,+RF+V<!#KYCRQD*`J44E!5B+O<E6'BS6+;LTV#4
M+#.0M8A9^[R+-HD4B;N6<NEQ,'J*"HL(JZDFJA2/>*P]N%><P3"VVBCNEWD,
M[)9*<O%-K`V)%33"679-UIJ+F8\K.:08F9/`,W,<S1PJ"9DU!*H6`I56D`0*
M`"``/CX!Y!XCHBP9^_%\<[Z=W1$]^+XYWT[NB)[\7QSOIW=$3WXOCG?3NZ(G
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<^GK+U>I_]>#T]NH-_4]+]YT;>?3^+;R\=$7_V3\_
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
